I do WM TU08 + CK + CS + CI + my free Annual Report.
The only reason for *me* to buy a report is if I see a violent swing in my score that isn't expected.
Best part is they're all free services 
Walmart ($2000) - Amazon ($5500) - Cap1 Cash Rewards ($2000) - Meijer ($2500) - Discover More ($1800) - Car Care One ($2100) - Amex Delta Skymiles ($2000) - Citi Thank You Preferred ($2000) - Chase Freedom ($500) - Sam's Club, GE ($937?)
