It's time the government passed legislation that gives consumers unfettered access to their credit reports and scores. We shouldn't have to sign up and pay $20 a month for some credit monitoring scheme as Equifax  makes you do. They say you can cancel anytime, but when you do, they port you over to an annoying dead end phone number with the annoying 'all our agents are busy' but no one ever picks up, waiting for hours, phone in hand, even at 1 am in the morning.  Enough of the dog-n-pony show, giving consumers the run-around. We have a right to know, particularly the all important so-called credit score, and we shouldn't have to pay for that information.