I applied for credit and was declined, I was given a contact number to get my free credit report. The number is XXXX for Equifax. I called the number and followed the prompts for denied credit request. Put my personal information and was asked what do I want back. 1 ) Score & File or 2 ) Special score & File or 3 ) File then I was offered information about option XXXX or XXXX. I choose option XXXX sounds like the best choice. After choosing XXXX I am told a fee of {$7.00} is due and that this is a discount from regular price. Then I am told to input credit card information to receive over and over again with no other option. Then I am told since I want the free file for denied credit ( first time they mention only free choice ) I must jump through all types of hoops to get it sent to me. This is a scam to make you buy the score why did n't say that up front or give me a option to choose option # XXXX again since I now know it is the only free option.