AnnualCreditReport

That they do not provide credit reports online is ridiculous! If they don't have a secure site that allows such secure transactions, then they should not take my social security number and other sensitive information online. Every other credit report service provides online reports. They are operating as if it's the 1970s! Additionally, the information they require to send copies of in order to obtain your credit report by mail is not something everyone has. For instance, I am self-employed. I do not have pay stubs or a W2. Ridiculous requirements. Finally, the United States Postal Service outsources most of its processes. I do not use the USPS because of this, to say nothing of mail fraud and mail theft. There is no way I would send a copy of my SSN through the USPS.

They need to re-evaluate their antiquated requirements. Until they do, I use a company that knows how to protect my information online.

I was a bit nervous from the last two reviews and hesitant in getting my credit reports. The overall experience was rather simple. I read carefully and understood and was able to save/print each report. When requesting your reports, Annualcreditreport.com opens an new link for each company, TransUnion, Experian and Equifax.

The only thing I could complain about that appears to have nothing to do with Annualcreditreport.com is finding the ability on each new hyperlink in printing the PDF version of the report. If you are computer savvy, then you can do a regular print command and then save it as a PDF or set you printer preference to pdf.

Total time spent getting reports was about 15-20 minutes.

As others have mentioned: make sure you have a copy saved before continuing onto the next report. You will not be able to return to it.

Good luck!

AnnualCreditReport's website has fallen into disrepair. Last year I got all three reports, bang bang bang, no problems. This year, it only directed me to Equifax. I had one item to dispute on that report, so once I got "into" the Eq website, I could not get back to ACR's website to save my life, in order to check the other two agencies for errors (yes, I clicked on all 3). I was directed only to the Eq link, not to Ex or TU. When I tried to start all over, naturally ACR said I was out of luck, since I already had gotten my "one free report" for the year!

Ok... so I'll have to pay for the other two. But I wanted to let ACR know about the problem, and guess what? Their "Contact Us" form is inoperable! I took the time to recount the problem I had, and when I got to the end of the form, there was nothing to click to send the information except a "Tell us more about you" button (?). So I clicked on that, hoping that it would submit my communication. Then, I got a red error message saying that "Tell us more about you" was an invalid request and to "try again"! Like a fool, I did try again... twice. No dice. By then I was gnashing my teeth and pulling my hair out. So now I'm ranting here to get it off my chest!

They really need to fire their IT person who messed up a perfectly good website. It was so easy last year... this year, a nightmare.

I went through the whole process, providing accurate and complete information. "We are unable to process your request" and maybe something about my info not being correct or something. Zero explanation as to what the problem is. The previous address (which was correct)? You don't like my SSN (which I entered TWICE correctly)? Etc etc. No info about WHY you are unable to process the request.
But there's good news: they have a solution! "So write a letter to the address below like it's 1984 and wait 15 days or you can call our toll free number".

So, of course I call the number they provided, which is *******228, and it is only two things: 1) a one-by-one prompt where you can enter all the VERY same info you did on the website, except it will take 10 times as long to do as the robot repeats everything back to you slowly to press "1" if it's correct and 2) another option for a series of recordings providing redundant info that's already stated on the website, except that it is spoken to you in a robot voice for those unable to read, I guess.

Their "customer service" number is useless. No human. No help. No explanation as to what went wrong. Was it on my end, was it on your end. Nothing. The website is garbage. Just unadulterated garbage.

This is the main site if you want a free credit report from one of the major consumer credit reporting agencies. If one does not have the time or interest, due all three during a one site view. However, you can spread it out over a year, if you have the patience and forethought. Also, you can request it in print. Yes, they will attempt to upsell to other service. NOTE: there are other credit reporting agencies or various ilks. Wikipedia has an overview article on this matter. The site came as a result through a change in a federal law near ten years ago, with much consumer insistence

This site is supposed to be the real deal. I even accessed it through the FTC. However,. I am highly disappointed with the experience I had two days ago. I wanted to order all three reports so I went through the process and just as it went to the transunion page where I could view my transunion. I clicked the save as PDF button to save it. So I actually didn't see all of the report and never had an option to get access to my other reports. The site redirects me to a page with a message saying the page was temporarily unavailable and to check back later. Never could get my reports as I ordered! And to make it even worse I had trouble with their contact forms. Had to give it a few tries before it actually went through. Now I am without my reports and they haven't contacted me. I can't access their site either because the link shows a 404 page.