AnnualCreditReport.com Reviews

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.

This is a 5 (five) Star service. It is easy if one follows the directions given and allows time for pages to load. The FTC.gov endorsed website, annualcreditreport.com 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.].

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.

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!!!

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.

There is no way to get in touch with a person at AnnualCreditReport.com/. 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.

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 AnnualCreditReport.com 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.

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.

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. AnnualCreditReport.com 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!

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.

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).

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.

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!

I've tried AnnualCreditReport.com in previous years. But this year I took screenshots. Like others, I was able to get my Experian report. But TransUnion gave me a system error and an 800 number to call. Equifax gave me a mailing address, saying that they can't deliver my report online. They claim to be the only source for your free credit reports. Authorized by the Federal Government, they say. The first statement is a lie. If I could prove damages, this would be fraud. But it's an attempt to fool the government into thinking that the reporting agencies are in compliance with rules that were thrust upon them due to their consumer harm.

I have personally worked in the banking field for over 20 years and know how to do this! But I cannot pull my own so I rely on this site. I had the same experience as others. Got to TU, no score, no availability to view others or move forward. Shame on you all! I am held to LEGAL standards that are punishable by jail time for the slightest infraction. Why not you people?? This site is horrible and broken. FIX IT.

Same experience as others. They told me "can't deliver by online" and then doesn't allow you to continue. Was so excited to get my credit reports easily. Guess not. You suck annualcreditreport.com. Why waste people's time with this? Fix. It.

My experience is pretty much the same as everyone else. I got stonewalled by all three credit agencies when trying to get my free annual report online. In one case they did not even ask any questions. You have to call or write to get it. Just say this up front and stop wasting peoples time.

Until 2015, my husband and I were able to download all three credit reports online, but beginning in 2016 Equifax started refusing this. Having to request a report by telephone, we did so and was told it would be mailed. But, only my husband's report arrived the next week, mine did not. We waited a couple of more weeks and finally phoned Equifax again, provided it with my confirmation number and asked what had happened. Of course, Equifax had no idea since they had sent my husband's report (and presumably mine) out regular 1st Class Mail.

I went to get my free annual credit reports. The only one I was able to access and file disputes was Experian. When I tried to access TU and Equifax I had the identical issues as others. Kept telling me info I provided did not match their records and/or I must mail in my request. I thought I was doing something wrong but apparently they are illegally denying access to a lot of people. Something needs to be done!!! I'm sure if I paid for the reports I'd have no problems. But I refuse to do so. I'm going to file complaints with whoever oversees the reporting companies first thing in the morning. I never had an issue in past years.

I used to be able to routinely download a credit report online from Equifax once per year via AnnualCreditReport.com, but in the last couple of years, I go through the exact same process and answer all the security questions about my financial records correctly, but now I get an "Equifax is unable to deliver your credit report online" error message, with no explanation of why they're "unable" (read: "unwilling"). I'm just given a page with instructions for how to use postal mail to send a request to Equifax instead. This makes me very angry. They are technically complying with the law, but are making it unnecessarily difficult for people to protect their financial identity.

Went online to request my credit reports. Initially sent to Equifax who denied my request for online access (answered all questions correctly) and directed me to use cumbersome mail-in form requiring me to send sensitive personal documentation and information. Not safe. Tried to go to next service and told I had accessed all three. Re-initiated my request and was able to get my TransUnion report. Even then wasn't allowed to navigate further until providing them an email for their mailing list (strike two). When I did navigate to Equifax and Experian, only given the option to mail in my request. In effect, I do not have reasonable access to my online credit report from Equifax and Experian, and the TransUnion interface is requiring me to subscribe to their marketing emails.

Why is my credit history/information outsourced to other countries? Based on complaints and personal experience, I will not be able to access my credit information to shop for new auto insurance rates. I have never had bad credit and I have a good driving history, yet I cannot shop for new insurance because I can't access my credit history or report. Why the hell are credit reporting agencies outsourcing U.S. citizen's sensitive, personal information to other countries? No wonder we are having breaches!

I used the site to request my 3 credit reports. Received 2 reports just fine but not Equifax. Answered security questions which were relevant to me (as I did with the other agencies) and RECEIVED another person's credit file. I was stunned! How can this be? I tried to report to Equifax and received little concern with comment they don't have anything to do with online. I got upset and was transferred to a person higher up and was on hold too long so I hung up. Company is owned by Central Source LLC which is OWNED by the 3 credit reporting agencies. My concern is there someone getting my report? Notified the person whose report I have since they deserve to know how their information is being shared! Also, tried contacting someone at Annualcreditreport and got nowhere. So far unsuccessful to find someone who cares about the breach in confidentiality.

My wife and I tried to get our once a year free credit reports tonight. Both of us, after much confusion and frustration, were able to get our Transunion credit reports, and print them. When we tried to download Equifax, the system stated we could only get the report by requesting it via snail mail. Useless. When we tried to download the Experian report, the system stated we already downloaded them. We both got the same exact results. It's ridiculous, that we should get this kind of runaround, when we needed the expediency of the internet. This is 2019. Even worse, there is no way to complain, except to send a support request, and they will only respond by snail mail. It's like being held hostage, to get a credit file.

This is the official place to get your free annual credit reports required by law BUT when I requested mine every single agency rejected the request for no reason provided. The security questions referenced credit history I didn't even have.

Tried multiple times to just check my 3 reports, but the site keeps bringing up security questions about auto loans, and mortgages that I don’t have. On top of all of that, in order to even access my info they want proof of residence, my pay stubs (which I don’t have, as I’m self employed), and my whole life history. How is this company the national “go to” for all credit reporting agencies, and who did they pay off to get such a designation? This site is utter BS.

I've used this site many years in the past, the one site you can go on and get all three credit reports for free once a year. Seems fair, went on this year though, and it's completely different. I went on to SEE my actual credit scores, I use free monitoring apps from my credit cards or with Credit Karma, but I know those sometimes report lower than your actual score. So I figured okay fine I'll go on to get my three credit reports and just make sure my score is lining up with what these sites say. NOPE. Equifax wouldn't even show me my information telling me I had to fill out a form and mail in all of my personal Identification as proof. Which isn't overly surprising because I've had nothing but issues with them since they had their huge data breaches, but now it makes my life more difficult to do anything with that credit because THEY couldn't keep people's information safe.

I filled out twice because they wanted me to mail in all my documents, W2's social number, tax return etc, You kidding me? I tried one more time and I got my report finally but I didn't get my scores. I had to pay extra for my score which I thought it was from all 3 credit bureau but only I was given one. So I upgraded but this is so misleading. I still can't see all my 3 reports and scores in one report. I can only see one score. I paid extra. I then got the message "You are about to view your 3-Bureau Credit Report and FICO scores included as a benefit of your membership. If you click 'Continue' to view, your next 3-Bureau Credit Report and FICO Score will be available in 365 days." I click on it. Refreshed many times and nothing happens. This must be a JOKE! Terrible experience. Wasted all my time and money on this bs.

When requesting online credit reports that we are promised annually, I was asked to complete a form, which I did. I then proceeded through the screens providing all requested information only to find out that I was not able to get credit scores online. I was asked to print and complete a form to be mailed with a copy of my social security card, drivers license, W-2, etc. What the heck is this? I'm trying to avoid identity theft, not invite it! Sending copies of these items through the mail is NOT something I am going to do. There has to be a way to get the credit reports that we are promised annually, free and online. This is the 21st Century! Unacceptable, deceptive business practice.

So, I go on-line & answer all the security questions & then see that I can't get the report on-line. 'Sup with that? But, I can mail my request to Atlanta with a copy of my driver's license & 1 other item of ID. Or, if I have the phone number to call, I can request it over the phone. By the way, you have to search for the phone number because it is not readily apparent on-line (877-322-8228). So, I call the number & deal with the automated voice prompts. Since I have only a cell phone, the interview is EXTENSIVE. I complete the call & am told a time frame to expect the report in the mail. THAT WAS OVER ONE MONTH AGO. STILL NO REPORT & NO EXPLANATION. Guess the report is not available by mail either!!! THIS SITE SUCKS!!