I signed up for their 30 day service to get my report... but I think I shoulda just paid Equifax for it. Unless I'm blind they don't give you a real score. And strange enough, it says there have been NO INQUIRIES on my report in the last 2 years. My spouse and I have applied for joint credit to refinance our mortgage and buy 2 vehicles... and the inquiries show up on his report, but not mine. Guess I shouldn't complain but found it weird. Went to Equifax to do online dispute of a few things and they need some sort of confirmation number which isn't included in the Privista report, so I guess I'll have to dispute the old-fashion way <g>. Also noticed that they only update the credit report weekly... my report is from 12/2 - 12/9 and today is the 11th! Anyone have anything positive to say about this place? Ozzy.