from what I tried a the 3 reporting agencies is that you can get a free credit report but you have to pay to get a credit score
security questions are generally in a format that allows you to select one among several. the answer you give doe not have to be correct. however, if you need the security questions to access info, you have to remember which question and the answer. giving false answers, can make it harder for hackers. for example what city were you born? easy to find out. so an answer i might give is Bikiniatoll. high school? SingSing.
