Equifax : Under both Federal and New Jersey law, consumers are entitled to XXXX free report and discounted reports ( in many states ) thereafter. Equifax discriminates against those requesting scores under provision of law and will only deliver full price reports online. The process to order and/or receive free and discounted reports is unduly cumbersome and has the effect of negating the intent of the law. Consumers are virtually forced into paying full price. Consumers wishing to correct errors or detect fraud must choose between a delay ( if they exercise legal rights ) or paying extra. I was able to get a full price report delivered online immediately but could not access a free ( or state discounted ) report without writing a letter of request and searching for the proper address.