I'm assuming you're pulling these reports on yourself to verify &/or dispute information? If you're pulling them so you may submit them along with your application for employment, you may be wasting your time & money. As someone else here stated, for the average citizen to pull these reports can be quite costly vs. a company that would pay a fraction of the cost. But just keep in mind that if you DO spend the money for these reports, keep records and file with your taxes (if you itemize). Also, most (not all) reputable employers that require background/credit checks on potential employees will do so free of charge to the applicant (it's a business expense that is deducted from their taxes), however, they will more than likely do their own checks and not accept yours. Lastly, some states (Virginia is one of them) can pull reports as far back as age 21. Not that all employers will do this, but many do to aid in reducing their insurance rates, safety rating, etc. Either way, good luck & best wishes!