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Based on 135 ratings

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Rated with 1 star
Verified Reviewer
Original review: Sept. 11, 2019

This site states that it is FREE. However, they do charge a $1.00 refundable fee, however, if one is not careful you are charged a monthly fee and you have 7 days to cancel this service. You do NOT have a choice, you have to take the service - nowhere on the form can you choose to cancel the service!!! So you are instructed that you may cancel this service within 7 days by calling a 800 phone no. I call the number and the service rep tries to change my mind 3 times by offering various prices for their service. Each time I refuse and I tell him, "NO. Cancel my service." This site should be FREE, NO refundable fee, FREE should not entail further explanation!!!

6 people found this review helpful
Rated with 1 star
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Verified Reviewer
Original review: Aug. 27, 2019

Website ask obscure questions from 7 years ago that I might remember or not. Cannot get a report. I think all Credit Bureaus are a scam being bought off by Collection agencies. These bureaus effect people's lives. They do not care about or try to help. Should be put out of business. They are only for the privileged.

12 people found this review helpful
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Rated with 1 star
Verified Reviewer
Original review: July 17, 2019

There is no way to get in touch with a person at This organization allowed an identity thief to download my Transunion credit report. Equifax was not downloaded but Experian possibly could have been exposed. There is no way to discuss this issue with person and therefore there is no way to prevent this in the future. Now the thief has all the information needed to take control of my assets. The US government should not be sharing a link to this site.

6 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: June 13, 2019

I was wary after reading the other ratings so I went to the Federal Trade Commission's website for more information. I found that the FTC not only has a link for but also states that it IS the ONLY authorized website for free credit reports. Once I was sure it was legit, I decided to submit a request for TransUnion's report (I prefer to space out the reports in 3-month periods since you can only see each one in a 12-month period). It was a simple 3 page process (kinda slow to load even after disabling my AdBlocker). I was also able to download a pdf of the report and the whole process took around 5 minutes.

Of note, there was a big shiny button offering to show my credit SCORE (NOT REPORT) for TransUnion, but it requires you to sign up for a paid membership.... No thanks! In summary if you are looking for your credit REPORT, then this site is easy, quick, and simple AND it is the only online source endorsed by the Federal Trade Commission. If you want your credit/FICO SCORE, several companies offer free score reports for their customers (a quick search for "places to get your free FICO score" is a good start).

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8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: June 7, 2019

I’ve tried to retrieve my credit reports online, filled the form accurately and no matter what I do it says unable to proceed and to request by phone or mail. No reasoning given or chance to correct any issues.

18 people found this review helpful
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Rated with 1 star
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Verified Reviewer
Original review: June 6, 2019

I won’t waste your time repeating what everyone else has said - no free reports from this website. It seriously needs to be shut down. There is no way to contact them unless you want to write a letter and go with snail mail. has no phone number or email that I have been able to find. If someone finds a way to contact these people, please post it on here for all of us. Thanks so much!

19 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 17, 2019

0 for 3. Attempted to get annual credit reports from each of the 3 reporting agencies. Each and every time, I was given an address to request it in writing! One agency did give me a few questions about recent activity, but none of the information was relevant; they all referred to financial relationships which I have never had. I refuse to pay for something which is supposed to be my right to obtain, and that includes paying for postage after I have jumped through all of the online hoops to obtain them.

15 people found this review helpful
Rated with 5 stars
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Verified Reviewer
Original review: May 17, 2019

Fast and accurate. I will need to refresh information about my credit history. This site always helped me with this. The process took 5 minutes. I loaded report in pdf format and now I can analyze it. I do not like to enter my private information on the web, but probably this site is secure (but we never know).

5 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: May 9, 2019

Went online to get all three agencies. The questions were old credit card information, then I remembered that the one card changed banks. But couldn't get back again to fix and couldn't get form to mail in with requested ID. The other questions were none of the above. Never heard of them. So finally pulled forms directly from credit agencies to mail in request with proper ID. Waste of my time. Can't remember who I used several years ago and had no problem with the free credit reports.

8 people found this review helpful
Rated with 1 star
Verified Reviewer
Original review: April 8, 2019

I’m a Native American English speaker. System had trouble understanding my teacher-type pronunciation. 1. Didn’t allow for spelling of name. 2. Never did accept the “suite number” of my address. 3. Did not confirm street number and name. 4. Said it was mailing out my reports!! TO WHERE??? No phone number posted to call for tech support!!! This service should be cancelled immediately. It is sending out consumer private records to random addresses!

14 people found this review helpful
Loading more reviews... expert review by Barbara Friedberg

AnnualCreditReport is authorized by Federal law to provide free credit reports to consumers. is a highly respected service offering credit and identity theft information.

  • Trustworthy: AnnualCreditReport is maintained by Central Source, LLC and is sponsored by the three major credit bureaus: Equifax, Experian and TransUnion.

  • Free: AnnualCreditReport offers access to a free credit report once per year from each of the three credit reporting agencies. It's recommended that consumers get one free report from each agency every four months so individuals can monitor their credit year-round.

  • Consumer advice: AnnualCreditReport offers free advice for consumers about how to avoid identity theft, how to read a credit report and more.

  • Trusted: is a highly regarded, non-biased source for free credit reports and related information.

  • Best for: All consumers interested in keeping track of their credit profile and learning about identity theft.

Profile picture of Barbara Friedberg
Barbara Friedberg Personal Finance Contributing Editor

Barbara Friedberg, MBA, MS is a former investment portfolio manager with decades of financial experience. Friedberg taught Finance and Investments at several universities. Her work has been featured in U.S. News & World Report, Investopedia, Yahoo!Finance and many more publications. Company Information

Company Name:
Central Source LLC, P.O. Box 105283
Postal Code:
United States
(877) 322-8228
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