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So I totally agree it's a horrible racket, but you can get free access to your reports & many credit cards are giving "free" scores now, too.
annual scores and reports, usually, which don't help you much if you're actively working on repairing your credit
Not just annual. If you go to the "start a dispute" section, you can get a copy as part of the process. Also, I believe you're entitled to a free report if you've recently been denied credit.
This is actually a lot harder and more time-consuming than it looks, as I know personally from dealing with identity theft last year. I had to spend >15 hours scouring my own records for various proof that I had grounds to file an ID theft report + a police report
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