I should have said that we can't get immediate free access to our own credit records. If you're having a credit problem or suspect your identity has been compromised, should you really have to wait to get free access to your own information? There was a good critique of the inadequacy of current consumer protections in this area - which is the relevant area of law intended to address our rights and interests vis-à-vis credit rating agencies -  in a recent Toronto Star article, which I've referenced below. 

https://www.thestar.com/business/2017/09/15/equifaxs-data-debacle-shows-need-to-rein-in-credit-agencies-wells.html