It should all be free, like getting credit reports is now. We need a robust and accessible way to manage our data personas, assuming that all of the supposed secrets are in fact public data.
As a reminder for any US Citizens, there is an official path to getting this from each of the main three for free[1] is the approved method verified by FTC [2].
This still puts the burden on the consumer of having to verify that their credit file is accurate, not to mention the even bigger burden of trying to correct it.
Furthermore it's a reactive measure. Locking credit reports and unlocking as needed can help mitigate some risks.