Not only does the Internet offer cheap credit report histories, but there are those websites that can send you a totally free credit report in a matter of minutes. A cheap credit report can be yours by filling out some basic information about your identity on reputable and secure web pages from the leading credit reporting bureaus in the nation. To get a full picture of what lenders will know about you when you apply for credit, you can get a copy of your credit report ahead of time.  To make cheap credit report information even more affordable, there are websites that will combine the information from the top 3 credit reporting agencies and combine it into one report giving you the complete information any lender would see.  Other websites offer totally free credit reports the first time you use their website and then cheap credit report data including your FICO score for very low costs when you sign up for their service plan. A cheap credit report doesn’t refer to the quality of information in it, only the cost to you.  Since credit reporting is controlled by the Federal Trade Commission the reporting bureaus are required to adhere to strict reporting standards of honesty and accuracy.  Totally free credit reports are available once each year when requested by the consumer.