How can we avoid having to pay a service charge to get a rating
on a customer from a bank?
Answer: Without trying
to be flippant, banks charge for credit ratings because they can. There
are no laws that prevent banks from doing so and this is a profit center
- especially at $10 to $20 or more per inquiry. I share your frustration,
but there is very little a creditor can do to avoid these service charges.