actually credit that is free and rating? Could I get a totally free credit history from freecredi and annualcreditrepor into the year that is same? I understand I can do either or, but freecredi allows you to see your credit score while annualcredtreport gives you a written report from all three credit reporting agencies with no credit history. Therefore I had been wondering then still go to freecredi and get a free report with my credit score if i could get a free report from annualcred and?Read More »The odd thing is the account is reduced. But We have 3 other charge cards along with other banks.