If you're going to be regularly accessing company credit reports for your own business information, it makes sense to pay for a monthly membership. If you're already making -- or planning to make -- access to business information part of your monthly business expenses, check to see if credit reports come as part of your plan, or perhaps with a small upgrade. Otherwise, if you think you'll be needing to access less than 2-3 business credit reports per month, it might make sense to download them as needed.

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