AnnualCreditReport.com Reviews

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!!

I attempted to pull my credit report to see if there is anything on there I need dispute before applying for a new home. After entering my information I came to the identity verification page (which, by the way, is ** if you have more than one credit card or car loan - how are you supposed to know the information they are asking if they don't specify which account they're referring to?) and then got a message saying that my report wasn't available online. Are you kidding me? That's the whole reason I used your stupid site in the first place. There was a link to fill out a form to request the report through the mail. Besides the fact that this is extremely inconvenient, I don't have the resources or the time to mail in my report only to have it mailed back to me several weeks later. I noticed a customer service number on the form (1-877-322-8228) so I called it, hoping to speak to a live person who could explain why I couldn't get my report online.

If you are a RENTER do not request your file online. Their site is all jacked up. If you put your address correctly but happen to put the apartment number on the second address line (which is correct) guess what happens? It locks you out from requesting your report. I made 2 attempts adding the apartment number on its appropriate line and another attempt without adding the apartment number and they locked me out from requesting my report. I tried after 24 hours thinking it’s a site block to prevent fraudulent activity but it actually just blocked me from entering into my profile. Calling there is not worth it. You have someone from another country that doesn’t know English. This is just ridiculous! I sent emails to "contact us" nobody will help me!

For having such an essential function your website is very nonfunctional and annoying. Your phone service is also very annoying. It is slow paced. You realize the average American has to work 60-80 hours a week right? Nobody has time for this **. You should be ashamed of your subpar website. There are fan sites for cartoons more functional than this. I wish there was a way to give 0 stars. Really it's pitiful. You obviously have the funding to make a functional site. You all just lack a solid work ethic. It's really disgusting when I think about how much you useless ** get paid to be useless.

I was notified by my workplace of a potential information breach. I decided to check my annual credit report through this site, as directed through TransUnion, which is recommended on my bank's account holder website. What an odyssey. I requested all 3 reports, but was only able to obtain a report through Experian. Not EVEN the agency that recommended the site. I actually was rerouted and the screen timed out so many times that I actually wondered if the site was a scam. I called the 877 number as recommended and now will get my report in a speedy 3-5 weeks. That should really help me keep on top of any identity theft issues.

I just applied for my free annual credit report from Equifax (the Equifax website redirected me to ACR) through the AnnualCreditReport.com website. I filled in all the information required and hit submit. It indicated that I could not receive the report online and that I had to download forms and mail to a US address. I am retired and living abroad and cannot do this right now. I feel I was scammed into providing this information without them telling me the online report was not available. This would have saved me one of my free reports. This website AnnualCreditReport.com should be shut down. I will NEVER use it again. They are scammers.

Annualcreditreport.com does not allow saving any of the credit reports. You must log back in to view them; providing another acct and password. So inconvenient. They do not provide a credit score, which everyone must have. Because of Equifax bad business practices must mail in, and provide add'l information. This is a website obviously govt agency has required they provide free credit reports, so they provide as little information as provided. Always wanting you to come back to sign up for some monthly monitoring, or pay for credit report. Scam by the three credit reports.

This website is hacked!! Do not use it. When I logged in on June 26, 2017 my antivirus program Detected it was routed to another website by the name of Challenge.Truecredit.Com. It blocked it as a dangerous URL.

I do not recommend using this site. Go to each agency individually to get your scores. This seems to be a scam or a ripoff. I would not recommend using this site. Make it the extra effort and go to each agency individually!!! I will never ever use this site again. It would not even show me my TransUnion score. Just delinquent accounts for TransUnion. I could not get my score!!! I do not recommend this site at all!!!

Logged in to get 3 credit reports to start home buying process and only got Experian, it wouldn't give me Equinox (said I needed to mail in for it). Also the next button wouldn't work for TransUnion. Tried a few ways until I ended up out of that area and couldn't get back. Very user-unfriendly! They don't want to give you want they can charge you for so they make it as difficult as possible. Disgusted.

I am not sure if this is a legitimate site or not. I would NOT recommend using it. Once I entered my private information and followed the directions it said my Credit report was not available online. It gave me an address to mail another request to and asked for personal information again! I am sorry I used this site and will contact the bureaus directly.

Error causes missed reports. 3 reports and scores were expected. Very fine print show up after your request is complete that the credit scores themselves can be viewed additionally as a charge. 7 bucks plus per score. Also, this is a one time view only meaning no back button re-review directly after the original view. All three reports must be viewed without pressing any other buttons within the site even if they pertain to your report or else you will lose the option to view the next report. Once all reports are so called view you're kicked out the system and customer service is nothing more than a mailing address.

Error Message: Access Denied, Need to call a #. I cannot even access the site. Some condition applies that I need to call a number. I have not even entered any information as to my ID. How can I be denied access to a site without them knowing who I am? I have used them the last 5 years with no issues. What can I do? I do not feel comfortable calling a number and giving up information. There are too many scams out there.

Three members of my household tried to get reports... NO GO. It sits on "Please wait while we verify your identity". Does not go any further. Not sure if the site is having issues or not but, I will personally not use them again.

Only got 1 of 3. This appears to be a common problem for many people. Just because "you" got all 3 doesn't mean I entered bad information. In the past I have received all 3 reports without an issue. I have lived in the same place for over 20 years. I am not going to mail sensitive documents to them. If they have bad information, I can't remove it because I can't access it. For some people this site has some real issues and they need to be addressed. And NO! I will not purchase your service.

I will be reporting them to the Better Business Bureau. They make it IMPOSSIBLE to get a free credit report online as WE ARE ALL entitled to. They ask impossible questions about MY LIFE that even I don't even the answer, know about Mortgage dates, when my bank has changed names sooo many times who knows THAT ANSWER??? And the captcha's are IMPOSSIBLE to read! IS IT A 2 or a snake or a backwards S??? The new captchas are NO BETTER. Ridiculous. I played their game for 2 days online and now I get: you have to request by mail. ABSURD. I tried calling Transunion direct for my report & THEY SAID I HAD TO GO sign up for annualcreditreport.com because Transunion didn't have my birth date and they could only get it from there!!! Ridiculous how they ALL take advantage of us.

When I clicked on *Next Report or Finish* after viewing the first report, I got the message, *Logging out will conclude my visit...*. I had checked all three reports but had no option to see the other 2. Why does it say *Next Report* if I have to leave the site *return in order to see the other 2???* Then I clicked the only button available *Tell us about you* & got the error message *Tell us about you is invalid*. I used to create systems like this for a living. This one seems like it's still in beta--or deliberately obfuscated. I went back to the home page & have to fill out the form all over again.

While I would like to give this service the full five-stars that it truly deserves, every year, I have trouble with my Experian reports. The form either times out and will not allow me to resubmit it, it errors and will not allow me to resubmit it, or the identity challenge is entirely incorrect - populating my father's information, not mine. When I look over my personal details, they are only partially mine and partially my fathers - which is how I know that the identity challenge is incorrect. This year, the page was erroring due to my pop-up blocker - but it gave no hint about the source of the error; both the Transunion and Equifax reports did provide a reminder to disable it.

My wife and I go to get our free credit reports from annual credit report site. We always do one every four months for one of the credit reporting companies so we have a look at a credit report throughout the year. We have never had a problem with Equifax or TransUnion but have yet to be able to get the one from Experian. We tried again on Sunday 01/08/2017 and Monday 01/09/2017 to get annual free credit report from Experian, and again received the message "We're Sorry. A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. Annual Credit Report Request Service P.O. Box 105281 Atlanta, GA 30348-5281." Happens every time so will probably start using Credit Karma since they get a lot better reviews!!!

Went to the ACR site, and had the same experience as most of you. Equifax and TransUnion come up fine, that is after you wade thru all of the b.s. of them trying to sell you programs. But Experian? Same as always with the statement about "a condition exists...blah, blah etc". One of you posed a good point. If the government mandates that the reports are free, then Exp is violating the law. Now I have to go out and spend CASH on envelopes, and stamps, and oh yeah, don't forget that now they get 15 days to process it! What agency should this be reported to? This crap happens every year!

Today I failed to obtain the free annual credit reports from each of the credit companies. It is apparent that they are trying to make it difficult so at the end you have to pay for the reports if really want them. What I mean by difficult is asking you questions like what was the credit card account that you opened in 1993 or what was the year that you open a loan with so and so. If you step out to check the dates, when you come back the forms have expired and cannot be refreshed. Another tab opens asking you to send documents containing sensitive information, i.e., SS# by mail. Your one chance of a free credit report is gone.

When requesting TransUnion report, there is an arbitrary error message even though the site clearly recognizes my information before this error: "We are unable to complete your request. What happened: Unfortunately, your request cannot be fulfilled online at this time, based upon the data provided. What to do: To request your Free Annual Credit Report by phone, please call (877) 322-8228. Alternately, to request your Free Annual Credit Report by mail, return to annualcreditreport.com to download the request form."

Can get 2, but not all 3 of the Reports... And it's this way every year. AND it's the SAME company that won't give me the report. It has nothing to do with Identity verification, because the other 2 come out just fine. It always says that "We're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. Annual Credit Report Request Service P.O. Box 105281Atlanta, GA 30348-5281." Or something similar. The reports are not free if you have to MAIL IN a request... Unless paper, stamps, envelopes, etc. have now all become free also...

I'm not sure why so many people had trouble with the site, but I suspect it was from not reading carefully or following instructions or going to a wrong website. I accessed all three of my credit reports, although I had to come back an hour later to do one of the three. I was not asked for payment to receive any of the three reports. I was not asked to receive or order anything by mail. The identity verification questions were not tricky, but I had to read carefully and think through the answers. I was given an opportunity to get my credit score for a payment (and having to join a monthly program) I declined. Overall, not a difficult experience, but I do wish credit scores were mandated as also free.

Just pulled all 3 credit reports from this site. No problems obtaining reports, no issues with the CAPTCHA (though I have had issues on other sites with CAPTCHAS so it's realistic that some people might have problems on this site) although Equifax was a little slow. Here's how this works: Select which agency's reports you want. You will be redirected to that agency's website and asked a bunch of identifying questions (these seem to be drawn from whatever they have in their reports). If a question does not list a CORRECT answer then select NONE/DOES NOT APPLY (that's why that option is there, folks! And yes, this was my answer on several questions! Don't freak out about it!) Assuming the answers are correct, then you will be taken to the report where you can print it or save it in PDF format (good idea, especially if you have to dispute something).

AnnualCreditReport.com barely works half the time. If the government is going to mandate we're owed one free credit report per year, they should make sure the means of obtaining it actually works. AnnualCreditReport.com is so broken it makes me think the credit agencies are colluding to keep it somewhat broken so that people can't actually get their free credit report.

Total scam! Experian charged my bank account for a credit score and then told me that a score was unavailable for my credit account. I tried using the "Contact Us" form on the website for resolution, but when I hit the submit button, I just get error messages stating it can't submit my request. In addition, I tried calling the 877-322-8228 number also but it's just a recording. There is no way to get to a live person so I can get resolution about my file.

I requested all 3 reports for my husband and myself. He got Transunion & Experian. I got Transunion & Equifax online and printed them out. I was told that I would have to send off for the others that did not come through. Needless to say, I was very disturbed since this is supposed to be a government sponsored company and we are entitled to the reports by law. As others have mentioned, the Captcha (excuse the spelling) is horrible and very frustrating. This whole thing needs to be fixed. I was going to send off for the others, but after reading the other reviews about not receiving them after giving out personal info, I have 2nd thoughts. I thought it would be simple, but it is not. Not a happy camper!!!

The feds need to crack down on either the utter incompetence or willful lack of functionality on this site. Experian didn't work due to a technical problem on their end, and Equifax had bad identity verification data. TransUnion worked. Also, you don't get your actual credit scores from this service.

The service did want I expected and I was happy briefly. Two days after and on going for the last couple weeks I receive 2-5 calls a day from IRS scams, telemarketers, and robo calls. I've had this number for three years and am careful on-line where I use it. Wasn't a problem until I used my information here. I've receive three in the last two hours and just had to change my phone number, it's gotten so bad.

So most of the reviewers of this site don't know that it's not really an either or situation here. There is one way to get your free credit report each year that is recommended by Experian, TransUnion, Equifax & the government. It is AnnualCreditReport.com. Other services or sites are set up with the sole purpose of gaining access to that information. Go to Experian, TransUnion & Equifax websites. They won't give you your free report, but will make you go to ACR.com. In 4 years of using this, I have had a problem once and it was with the Experian's portion of the site.

This has to be a scam. Reports by email not available after filling in web forms (a few times because of links purposely designed to force you to start over). Same problem trying to complete written report with instructions that are absurd (make sure letters to not touch outline of boxes to fill in) or misleading. No way to contact anyone at the company - only recorded messages which are not helpful at all. Does anyone know the name of the federal agency that oversees this activity? It is my understanding that the law requires that consumers be able to get a free copy of their credit report once a year.

AnnualCreditReport.com says the consumer will be provided with three free credit reports. This is not true. This company does a bait and switch to get your personal information and then wants credit card information to charge for credit monitoring. Without subscribing to their monitoring service, you can go no further. Called and the representative said I could not access my credit scores. Very deceptive and dishonest. A waste of time and a potential liability.

If I could give this place a rating below a 1 star, I would do so. I used AnnualCreditReport.com to obtain my free yearly credit reports from TransUnion, Equifax, and Experian. I like to have a PDF copy of my reports as they are at least 20+ pages long. I had no trouble with TransUnion and Equifax. When I continued to Experian, however, I received an error message stating that they "could not honor my request". Then I was given instructions on how to mail in a request. I decided, unfortunately too late, to check the reviews on ACR.com and discovered I am not the only customer who was/is extremely dissatisfied with this company. There is absolutely no way or anyone to contact if something goes wrong during your requests for your credit reports.

Identification questions are made up, they will ask you questions about made up loans and mortgages to have you call them and sell you a credit report, all of which don't appear on your report once you PAY for it!!! Please, if you are not given your free annual credit report, join in and report them.

I was only trying to help my nephew obtain his credit report for free and the response you get when you apply online is to mail the application. Forget TransUnion, you can't even get to the security questions. At least with Experian and Equifax, it looks like you're making progress and then at the end, AnnualCreditReport.com instruction says to mail. So what is the purpose of the online request???

I submitted all my information to receive an Experian credit report but did NOT receive it, and was instead asked to pay for a report.

I requested my credit report from all 3 bureaus on AnnualCreditReport.com, which is supposedly set up by those credit bureaus. They requested additional information from me, which I sent in. Now all 3 bureaus are requesting the same information from me that I already sent in. So much for AnnualCreditReport.com. I could have done the same thing without them, and had my information quicker. If they were graded on Customer Service and Value they would be closed already. When I sent an inquiry to AnnualCreditReport.com asking why this happened and what happened to the documents I sent in, all I got was confirmation that I had a question. I still have not received an answer from them one month later. In my business we do not get things done by putting them off. Apparently the Credit Reporting Business does. I feel the AnnualCreditReport.com website is a waste of time and effort, it certainly was for me.

It seemed legit so I didn't bother to look at the reviews before started a review, and of course they are horrible! I know for a fact my answers were correct yet I can't see my credit report online. seriously. And NO, I will not send all of my personal info through the mail for them to never reply. And it is funny that the captcha took 4 tries for me too. There's a trend in all of these reviews of AnnualCreditReport. I doubt anyone gets their credit report for free, and I doubt they will actually reply to any reviews because they know they are a scam. Don't fall for it!

I am in the process of buying a home and there some inaccuracies in my reports that I need to dispute regarding student loans from 2012. Experian has ruled in my favor, taking the issues down but I did not realize I needed to dispute each report individually. While reviewing the first of the three reports (TransUnion), my session timed out before I had access to my Equifax and Experian Reports. I cannot log back in now because the system thinks I have already acquired my annual reports. There is no customer service number and when I reached out to each Credit Bureau individually, they said there is nothing they can do.