AnnualCreditReport

REAL website. It is referenced for used by the FTC. If you would like to se their reference go to: http://www.ftc.gov/news-events/press-releases/2005/08/consumers-across-country-eligible-free-annual-credit-reports

Very helpful to see which credit companies are on file. I had peace of mind after checking. However you only get to use it once a year if you pick all three credit agencies which is Equifax, Experian and Transunion.

I literally just got my Experian and Transunion credit reports from this site with no problems at all. I'm shocked actually, because I'd researched it and I always expect a scam or a bate and switch. Nope, put in my info, asked me some verifying questions opened up the reports and I saved them to my computer. You will have to pay for your Fico score though, but I didn't need that, so no problem For once, I'm pleasantly surprised by how easy something was and it never once asked for any credit card info.

Brought you by the same guys at TransUnion, Experian, and Equifax. A better approach in my opinion is to get a credit report from each agency after 4 months interval. This way you can get credit report which covers information of a whole year.

This site is a TOTAL JOKE! None of the agencies will give you a report online. They ask for all your information then give you a paper form to print and mail in. Seems like a giant scam to me. Looks like the federal government needs to step back in and tell these idiots to be fair to consumers - again!

Although it is the official, free, government-mandated site, annualcreditreport.com is useless online. According to their own FAQ they work with the following browser versions:
Internet Explorer 8.0 and 9.0 (Current version is 11 as of 1/23/2015)
Mozilla Firefox 18.0 and 19.0 (Current version is 35 or 36 as of 1/23/2015)
Google Chrome 24.0 and 25.0 (Current version is 39 or 40 as of 1/23/2015)
Safari 5.0 and 6.0 (Current version is 7 as of 1/23/2015)
They might as well just post the mail-in request form and put us all out of our misery (especially the part where they ask for my Social Security number on a poorly encrypted site)

Write your congressperson! Write the FTC. Let your friends know about this sneaky way of getting out of online service levels simply by having their joint venture company (Central Source LLC) going back-level on their browser interfaces so they don't work anymore.

In 2013 I used this process and within 5 minutes I had all 3 reports, it was great. Now, two years later, the only report I could get was from Experian. Transunion just gave me a " we can't fulfill your request page even though I hadn't even gone through the verification process. And Equifax asked me questions I didn't know the answers to before they sent me to the request by mail page. It is obvious that they do not want to fulfill their obligations and the bottom line is, you have to pay before you get any info, despite the government mandate.

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!

I think you get one free credit report per year from each of the main credit bureaus, but you can get them all on this site. The government regulates it. Any other site that charges you for your credit report is probably trying to scam you.

I have tried for two days to get a copy of any credit report. I have yet to accomplish that goal and now the website thinks I've obtained copies and won't give my any information.

Absolutely the worst website I have ever used!

Now I have to send for copies, explain what happened and hope for the best. If that doesn't work I will have to fork over money for a "free" credit report.

AWFUL!

Seemed this worked well years ago--note how the star ratings have declined!
I concur with the other recent bad reviews--blocked from progessing, CANNOT send a comment--it continues to ask 'for more information', I got Trans, but blocked by Ex after a couple steps, and couldn't get past go w/Eq. Some of the info on me in Ex was WRONG--they insisted I'd had some activity that didn't exist, or amounts were incorrect. After getting 1 report, it's unclear if pressing the 'continue' button bumps you out of the whole process, or continues to the next company report.
Probably worthy of 2 stars (You would not recommend it), but these things should be flawless. I know, I've written I-net code/interfaces; I gave it a 1 star.
What should have been a 10 minute process, will now surpass an hour, since I will be making phone calls to acquire my reports; mail? 2 hours? Trip to post office? Sh*t!

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

None of the three credit agencies provided my credit score online; I completed all of the steps, answered all of the questions, and each of the agencies in turn told me I needed to request my credit score in writing. $#@! This site is useless.

They are suspicious. They ask all personal information even social security and final ask request by mail. Why? If they want ask information by mail why they didn't tell it at first. I think they steel my information. What should I do?

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.

I was rerouted several times which made me felt uncomfortable. I had to restart browser to clear cache to make sure I wasn't hacked.

It was difficult to navigate through the website.

DO NOT dispute any wrong info ONLINE before talking to a lawyer! Clicking "by Agreeing mumbo Jumbo anythin" we bind you to arbitration.

You will waive your right for legal representation with a lawyer who most of the time will do it on contingency!

People beware this site annual credit report say that u can register online ask for your credit card information and the give u 7 days before u cancel payment the number they provide for u to call and cancel don't allow u to cancel and wont even allow u to speak to a representertive

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.

Annual Credit Report is free, but they don't tell you your credit score or really much on how to improve it. Also it's too easy to get tricked into buying something.

I wish I could give this site 0 stars. I agree with the reviewer who said that the credit reporting agencies have put in minimal (at best) effort with this "service", and only because the federal government has mandated it. I think that the federal government needs to head over and check it out, because the credit reporting agencies are absolutely NOT fulfilling their obligations to provide a free credit report to consumers once per year through this site. (Nevermind how hilariously ridiculous it is that we can only view our own personal information once a year without paying for it.) I have been told by two of three agencies that I must submit a request over the phone or through the mail because, for whatever arbitrary reason, they can't fulfil my request online. There is no live human to speak to on the phone, either. So when I don't receive my report as I am anticipating, I have exactly ZERO recourse. I am at their mercy and they are able to hold my personal information hostage, despite laws that were put in place to protect me (and you) from exactly this.

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.

GOT INFO MY CREDIT REPORT ON THIS SITE AND EVERYTHING TURNED OUT GOOD. NOW I NEED MY FREE CREDIT SCORE! Although it is the official, free, government-mandated site, annualcreditreport.com there's red icon once you have credit report that says " to have your credit score you have to pay almost $8.00 to have that info? Don't make any sense!? Why don't they have the next step have your FREE credit score!?

I got my credit report for free from Annual Credit Report, but I wanted my credit score too. They make you pay for that.