2.9/5 (352 ratings)
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Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: April 22, 2022

Wow, from one to 10 this site is -11. I have tried to access my free credit report countless times over the last THREE YEARS. It is a scam. You can find an endless stream of complaints about this very same issue going back years. Come Judgment Day the people behind this scam are in big trouble.

Be the first one to find this review helpful
Rated with 1 star
Verified Reviewer
Original review: Oct. 15, 2021

It's just freaking horrible. You waste time and you risk losing your personal information via the dark web. And After you're done these scammers don't even give you a credit Score so it's not safe. It's just a complete waste of time.

9 people found this review helpful

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    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 16, 2021

    I'm NOT here to claim this is a fraudulent site. It's NOT! It does offer FREE CREDIT REPORTS ONLY asking with other PAID services that people automatically click on & don't read FIRST! ie; I believe all 3 offer to SELL consumers a CREDIT SCORE (not a FREE Report/service) OR they offer each bureau's PAID memberships that one, again, MUST READ CAREFULLY & REFUSE before mindlessly pushing "accept!" Hence, all these 'fraudulent" charges that Steve fraud at all, you just didn't realize YOU clicked to accept...

    Anyway, not my issue, just wanted to clarify... My issue is either with TU or for maintaining incorrect information on me. After being denied an online report from TU, it prompts me to call or use snail mail, of course, I CALLED! And, DESPITE having recently cleared ALL inaccurately reported personal info on my TU credit report, it recites INACCURATE, TRANSPOSED info!

    After calling the number given on, & requesting my TU report, the automated system asks my name, it states; is your last name: "A" (which is really my FIRST initial) & is your first name "Doe" (which is actually my MAIDEN, LAST name from 10+ years ago, pre-marriage). So, it's either ACR website issue or a TU issue, because I got my other 2 reports online SEAMLESSLY!

    I believe I just solved my own answer, it's TU, but unsure whether it's only in ACR database, but undoubtedly this will be an extremely difficult issue to resolve with either agency!! Takeaways: READ FINE PRINT, REFUSE THE PURCHASE OF PRODUCTS OR SCORES & again, READ EVERY DOT & TITLE before pressing continue on any page.... you will receive a free, legitimate, credit report!

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: June 22, 2021

    I should have known this was not legitimate when the website asked for my credit card number. Maybe there was some very small print I didn't see/read but everything I saw said "free credit report." I read my credit report while on the site and a week later my credit card statement showed up a $14.99 charge from Experian. The last time I used a "government-affiliated" free credit report website was a couple of years ago and I was never charged. I emailed the company but no response so far. It doesn't seem fair to call the credit card company to reverse the charge because then they will eat the loss. Don't use this site.

    4 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: Oct. 14, 2020

    This is a 5 (five) Star service. It is easy if one follows the directions given and allows time for pages to load. The endorsed website, provided all the information needed to retrieve credit reports. So, some of the reviews given (they revealed more about the user than'), were not good, because, apparently, they, the user, didn't follow one of two things, the directions given (hint: read every word) and / or they did not allow (wait) for their rendering webpage to render. A suggestion for others trying to use the service: give yourself plenty of time [That is time to read, time to understand, time for pages to load, and (This last one is important.) time to recall information from years ago.].

    6 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 22, 2020

    I attempt to order my three credit reports. After entering my security info for Transunion, the page kept flickering and would not load for several minutes, when I closed it and attempt to order it again, it said I have already ordered my report. Then while viewing my Experian report, it timed me out and directed me to the experian log in page where it asked my first job, pin and credit card information. I closed out that page and attempt to go back into annual credit report page, where it had checked off transunion and experian like I had already gotten my reports, when obviously I hadn't had an opportunity to complete due to their faulty site.

    I completed the contact form but I am rightfully due my free yearly credit report, this site is obviously not free or it wouldn't be asking for my credit card information or the site would be fully functional and be able to determine if a report was actually ordered. I guess I have to report it to consumer protection. I had the same issue last year when I used this site for my transunion report. It wouldn't allow me to print. When I reported it to the BBB, they stated I had to pay for it and they are not responsible for the site not printing it. This site is obvious not liable or a scam to make money off what's suppose to be free.

    69 people found this review helpful
    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!!!

    116 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.

    71 people found this review helpful
    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.

    57 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).

    65 people found this review helpful
    Loading more reviews... author 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.

    by Barbara Friedberg Personal Finance Advisor

    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