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By law, you can have access to your own credit report once a year. But if you're looking for company credit reports to help you conduct business backgrond checks, you're going to have to pay. You cannot get access to a business credit report for another business besides your own without paying for it from a business information provider or credit agency. At least Mana.com makes it as inexpensive as possible. With a pay-by-the-download plan and financial reports available for $59 per company, at least it's a minimal blow to your pocketbook.