AnnualCreditReport.com Reviews

This is the second year in a row that Experian comes up with excuses for not giving me my credit report. On AnnualCreditReport.com, they say my answers are wrong. Really??? I think I know my life and history better than they do. Then they sent me a form letter, stating that I didn't provide the correct information to verify my identity or it wasn't legible. I have the copies of both that I sent to them two years in a row and they are liars. Since this is a federal site, and there have been too many complaints from these credit reporting agencies, it's time they have to be held accountable. They have no problem trying to sell you their monitoring crap.

Tried to get report from my phone. Took all my info then said sorry there was an error and canceled it. I hate they have my info. This is so messed up. I use to be able to get my report sent to me. Why can't we do that anymore. Not a happy camper!!!

I tried for several hours to get my free credit reports from the top recommended sites, which include the three credit report companies. It's a sham. They make you jump through all kinds of hoops and then tell you that for your own "safety" they cannot let you have access to your credit report. They want you to use snail mail and pretty much send them every kind of documentation there is. It's a complete subversion of the laws. They are clearly doing this deliberately, making it very, very difficult for people to have the yearly access to their credit report that they are obligated by law to give them.

Today is the first and LAST time I will be using the AnnualCreditReport website. I successfully, after many hoops, accessed only ONE of my 3 requested reports. The website then had an error and locked the other two reports out. I cannot create a new inquiry, but was told I could pay for the two missing reports. Just don't give them your information, they want you to buy products, and they'll take your once-yearly access to do it.

It is OBVIOUS that ACR does not want to give you a free credit report. The web barriers are very difficult to surmount, so most people give up and pay money, as ACR wants. They say I have already received a free report within a year, so I am not eligible. But I did not. They ask very picky and detailed questions, which are unnecessary and often impossible to answer. They say "unable to complete your request" with no reason. Their Captcha character recognition system rejects most anything you enter. They reject you for any of the above and you have to start over or worse they say you are disqualified. They say you have to apply by mail. I got their form and filled it out and sent it back. They never replied.

I haven't tried to use this site in several years. Now I wanted to check my credit, entered the data, and tried to get a credit report from two of the three providers. Both said that the provider could not provide a report and that I had to send in a paper request via snail mail. Why? I live overseas and it is not easy/cheap to do so. They seem to be discouraging people from getting their free credit report which we are entitled to by law, or so I thought. And why do I need to provide my full address and phone number to enter this review? So that I can get spammed by your so-called "service providers". Sorry, I provided fake data, spam away...

Cannot access credit agencies. Every time I submit my info for a credit report, I am told that the captcha security is misentered. I checked their FAQ and found you must use old versions of both Chrome and Safari. I tried sending them an email, but for it to go through you need to enter a captcha security number.

I've used the AnnualCreditReport.com site since 2009. The latest with Experian in October 2015 and never had any problems. In February 2016, while trying to get my TU report it just keeps telling me "unable to complete your request" and I am unable to contact a person at ACR. Any attempt to use the Transunion.com site for a free credit report (as mandated by law) it redirects me to the ACR site. I try to keep up on my reports by pulling one every four months - I've never had issues in the past but now the site is stuck. It appears this has been going on for sometime and not just for me - someone needs to address this ASAP.

I was not able to access all of my credit reports as promised. Experian and Equifax posed questions to me that do not apply to me and after wasting time filling out the form I was not able to access my information. Same thing happened to my fiancee and nothing has been done to correct it on her end. Experian customer service told her to do anything on her report she must call in.

This site took a veritable encyclopedia of my and my husband's personal information, and then stated that they could not provide any information. We immediately went to Credit Karma instead, and successfully got our credit reports in under 5 minutes. Don't waste your time here, and risk your personal info being collected on a dubious site --- just go directly to Credit Karma.

This site is horribly designed and the captcha system is broken. You can't make out Os and 0s, nor ls and 1s. This results in constant errors not allowing you to type in the correct captcha. Over and over this has happened throughout the years. This site is recommended through the FTC and until they fix their broken captcha system it should not be. Look at the past reviews, everyone has issues with it. It's not one person, it's not mistyping, it's a poor implemented captcha system. Furthermore they have no Contact Us page without the captcha page to even complain. I now have to waste my time calling into their 1 800 wait a lot line to get a simple credit report. Also rerouting everyone through 3 different credit report agencies is also poorly implement but I digress.

I went through the questions and history questions and it goes through without any problems. You need to be patient as the site connects to each credit company within the window. Then you need to make sure you don't hit a back button or try to click same buttons twice. I have used this for several years and only had an issue once when trying to use the step 4 (go back to get next report) and that was my fault for clicking the back button on the browser. Read the page and instructions carefully and know your history questions. IF you make mistakes then you will have to do a written request. Print or save all reports as PDF files so you can print hard copies whenever you need them.

This is the site that the three credit bureaus are required by law to provide, so that people can get their annual free credit reports from one source. (There's a law that requires this called FACTA.) However, Experian and Equifax don't seem to provide credit reports through this site anymore. Furthermore, the feedback part of the site is also broken. I only can take this as a clear violation of their legal obligations (FACTA). They want you to go to their sites and pay money to get what you should get for free.

So much for annual free credit report. It's 2nd year in a row I am trying to obtain my so-called free credit report and I was unable to do so.

After I provided this company a great deal of personal information, I was declined immediate online access and the process requested. I print and fill out a form (supposedly PDF) and provide copies of some documentation for identification purposes. However, the form will not print, nor will it save. The one time I was able to get the form to upload it refused to exist in any other format than ".action" which is nothing I am familiar with. Spent forever trying different tricks: print to xps, save to this file, open with this, switch to this printer, allow access as admin, but to no avail. I think this is a gimmick of some type.

There is no way to communicate with AnnualCreditReport.com... AND I WILL NOT WRITE A LETTER. Their system is down, has failed, is hacked, etc. I requested an Annual Credit Report for Equifax. An error message indicated that the process was not available at that time and gave me a message to return in one year to get my next report. Then I found out by calling Equifax that my report was processed and sent to AnnualCreditReport.com. There is a problem and no human can communicate with whoever these people are at AnnualCreditReport. If you can communicate with them, please let them know that their system is broken. Thank you very much! P.S. I really don't have an order number and have not idea how or where to get one. There is no receipt since it was a free annual report.

I requested in writing a copy of all three credit reports. I only received a copy from Experian. I never received a copy from Equifax or TransUnion. This information is needed to file a police report. I attempted to get a copy and was told I received it but never did. I also requested that my reports go to another address and Experian report was still sent to my home address. My roommate has stolen my information and filed an IRS tax return. I can't have the information come to my home address because I will not receive it.

Several of the security questions asked pertained to private information ABOUT MY FAMILY MEMBERS, not myself. Obviously, I didn't have the information to answer them. With inaccurate answers, I was denied access to online credit reporting. It's illogical to present me with the last 4 digits of a random phone number (turned out to be my sister's). Asked me for my mortgage lender, never had a mortgage (must be my father's),

Using the website AnnualCreditReport.com and connecting to TransUnion I successfully answered all questions, clicked on view report and next screen was "This page could not be displayed." Of course when you go back and try again you're told you already have it. Apparently no way I found to contact TransUnion or retrieve the report.

Each time I've ordered a report, it goes through without any problems. The only thing I'll say is that Captcha is case sensitive. So if you see capital letters, type in capital letters. I've used the site for two years now and ordered from all three major credit bureaus.

After getting to my Equifax report, my computer froze and I was knocked out. When I went to get back in I got an error message stating that I now have to request my report in writing!!! I need to view/print that report and also I needed to dispute some items as well. Then I went back to the annual credit report page, was on a different tab. I logged in to Experian, and was able to print that report. Last, I went to log in to TransUnion and it's giving me an error message and I am not able to view any part of the report. Again I need to print and dispute some items on there as well. This site is just not user-friendly at all. Why give a transaction code if I can't go back in and view it for the 30 days that it states that it's active??? This is ridiculous!!!

Have tried for two days to get credit report. The "CAPTCHA" won't let me through. When I try an online complaint, there's no "submit" button. And if you try the "tell about yourself button," it gives you an error and dumps you nowhere. Very frustrating!

Frustration. I have tried 5 times over 2 days. "Unable to complete..." Every time. Cannot get to anyone by any method to tell me why my request fails. I read online comments and find many people have the same problem. The system does not work as advertised.

I answered my own personal information 3 times on annualcreditreport for Transunion and it kept giving me an error, to do it over the phone or by mail! It is me. I had to call 3 different numbers to get them to mail me my report. NOT USER FRIENDLY.

Did not allow me to print out copies of my reports, did not allow me to file disputes on-line, did not allow me to contact them regarding these problems, did not allow me to go back and re-request copies of the originals that would not print out. Just repeatedly received "error" messages after multiple attempts to contact them. It's obvious they have shut down this site by making it non-functional. Can only find address to "write them a letter." What kind of kickbacks are they getting from the sites where you have to pay and why was it so important to divert our information to the commercial sites who want our SS and bankcard numbers?

But TransUnion and Equifax are fakes in stating they are participating on this website. My wife and I have both entered each year, with same results. TransUnion and Equifax tell you they don't see your matching profile: name, soc sec, birth date on their records -- then how do they hold such bad info on you (especially TransUnion).... They make money by squeezing you to buy their credit protection/viewing credit reports. Last year I tried one. To only dead end there also. No online credit dispute capability as it advertised. Why hasn't govt squeezed these 2 flea bag companies out of business --- it's time America!!

Except for TransUnion the message I rec. “unable to honour your request” messages, that's after filling in all the required info. Also with no explanation given, very frustrating. Then when trying to use ACR's contact page, again filling out the required info and proceeding by hitting the "Tell us about you" button I get this message, "Errors: Tell us more is invalid. Please try again." I tried, same message!

We signed up to AnnualCreditReport.com to get my son's "Free" Credit Reports and his FICO score. We were able to get his reports but had to sign up for Credit Monitoring to get his FICO score report. This seemed unreasonable since these reports are supposed to be "1 free annually". We needed the FICO score so we signed up. We were then taken to a page that stated "No FICO score available". We called ACR.com for a refund and to cancel Credit Monitoring. We were not given any reason for the "No FICO score available" and refund was refused. Somehow $5.00 doesn't seem worth a lawsuit but we still feel like we were scammed and still have no FICO score!

The website doesn't work. I tried to get my free credit score: Typed in all my personal information. Typed the captcha. For some reason was I requested to type last four of my SSN again. Then I get a response that my report cannot be delivered, followed by the offer to order it on paper and pay for delivery. On second attempt when I had to type all the personal information again, I was told by the system that they were unable to process my request. I tried to use feedback form. Typed in my personal information again. Could not get past captcha three times and was required to type everything again. They obviously don't want anyone to get report for free.

I have not obtained a credit report from Experian since July 30, 2013. I completed a request online in 2014 *not sure of the exact date, but it was after July 30, 2014* and received a message that I had already received my annual credit report, but could purchase another credit report using my credit card. I completed an online request again on 5/29/15 and received the same message that I had already received my credit report, but I could purchase another credit report using my credit card. I save all of my credit reports so that I can keep track of the dates that I request them, and I have not received a credit report from Experian since July 30, 2013.

I first tried to obtain my husband's credit report through Credit Karma but because he no longer uses his yahoo account he can't obtain his report using his new gmail account. I also went through Annual Credit Report but none of the agencies will release his information. Why?

Tried once the other day. Got referred there by a government website. So I figure everything is good. I go through process of entering my information and trying to request a report from all three. Then it gets to Review Report Online and says "Unable to Complete Your Request". Why? So I started looking around and came across this site and now I'm wondering, is it a scam? But why would a US government website lead me there? What is the deal? I'm concerned now about my information and don't know where to go for a report to check up on my credit. I've not tried to call number, but I'm not really comfortable giving someone on other end that information. But from sound of other folks here, it wouldn't work anyway.

Called 877-322-8228. It is an endless loop of a computer telling me to say and spell my name. Computer kept interrupting me. No human ever picks up phone. Tried numerous times and computer never registered correct or complete name. This is a worthless site. They want you to put your social security numbers in online so they can be stolen. This site is totally worthless.

Put in all my information to receive a free credit report sheet. Print in my information twice. It told me they could not process with no explanation and then when I tried to leave a comment to get more information the comment would not go through.

I read all of the complaints here first, but when I went to YouTube to see what someone had to say about getting free credit reports, he suggested Googling: credit report [and your own state name]. I did so and found that Connecticut recommended AnnualCreditReport.com to get them. So I tried it. The only glitch I had was when trying to submit my initial information, when typing in the CAPTCHA information. Submitting failed three times (so apparently I typed it in wrong), and then it told me I would have to start over again. So I did. It worked perfectly the second time, and I got all three of my credit reports while on-line.

Site Doesn't Provide Any Credit Reports - All three credit bureaus required me to do x, y and z offline, send in copies of things I didn't want to by snail mail. Basically AnnualCreditReport.com is just a complete scam, trying to get you to sign up for subscriptions and does not deliver any of the promises it was intended to by the US Govt. Don't use it. I should've known better from reading the other reviews but stupidly believing that some blessing by the government would mean that the thing would work...it didn't. F-.

I have successfully received my online reports through 2012. Last year I applied to Equifax which gave me the "unable to honor your request." Today 2/12/2015 I applied for my Experian report and once again got the "unable to honor your request" message along with instructions to mail in ID and utility bill copies. I will not do that. I think AnnualCreditReport online was voluntary for the three agencies and now they don't want to do it any more.

This website claims to be a means to obtain your free annual credit reports. They took my information, but the credentials they provided to the credit reporting agencies weren't good enough to get my report online, as requested. I was only able to obtain a form letter to request my reports by mail, for which I didn't need this website at all. Don't waste your time, and definitely never pay for anything this site offers, they most probably can't deliver.

The past two years, I have attempted to request ONE credit report at a time from each of Equifax, Experian, and TransUnion. I mail in my request to AnnualCreditReport.com. I check the box on the form requesting the ONE credit report that I want. The idea is to get ONE report every 4 months, so that over a year's time, you get all three, but don't have to wait a full year to get feedback on your credit reports. BUT... AnnualCreditReport.com keeps submitting my request to ALL THREE credit agencies!! NOT just the ONE that I denote on the form!! What is their problem!?

I rent a room, so to provide a utility bill, etc., would be impossible for me, (to prove my identity). Also, I am on SSI, and I don't have a pay stub. I wanted to ask someone on the phone, what other options I could use because I tried several times to get my Experian and Equifax credit reports online, and couldn't. (The TransUnion one didn't tell me anything). NOW, I have to PHYSICALLY mail the filled out, downloaded form, and HOPE for a timely, appropriate response to those questions. And, I REALLY wanted it to be over with by now, because I wanted to apply for a credit card. For my vet; because my cat, (who is the closest thing to a child I have ever had), needs life-saving surgery. (The Lord is preserving her health wonderfully, right now, but I don't know when that will end). That is the ONLY option I have for paying for this when she gets sick. It will be between 4-6 hundred dollars.

No problems on 10/23/14 with Mozilla Firefox - I went to AnnualCreditReport.com like I have in the past & requested all three credit reports. I needed to provide some personal data. After confirming my info, I was first redirected to the Experian website where I was asked a series of security questions based on my credit history. I had a bit of uncertainty remembering things like who was the lender for a car loan that I got for my niece that ended in 2006, or what year did I refinance my mortgage. Fortunately, I remembered and was able to correctly answer the three or four security questions. The Equifax report is there to download as a pdf file or I could print it out, or just read it online. I saved it & printed it out. At the top of the screen, there is a progress bar and a statement that told me to click on the bar to return to AnnualCreditReport.com to get the next report. I did that, was redirected to AnnualCreditReport.com and asked if I now wanted my TransUnion credit report which I clicked continue and was redirected to the TransUnion website where I again had to answer some security questions.

I wanted to apply for a personal loan and wanted to get my credit scores from three bureaus. So I applied for the report at Creditreport.com. I had the impression they charge only a dollar. But there is a catch, they sign up you for a monthly subscription. If you don't check your credit card statement regularly, you will be charges $$$'s. They don't send you emails or anything with statements. You have to log into their portal to see everything. You don't get any information on your mail tool. I can't believe current law allow this company to operate. They charged me 29.95 per month. Everything is on their digital fine print and they keep your credit card info on there without you knowing.

I signed in to this website (not the first time) and after trying to access my credit report, it told me I could not answer my own security questions correctly. After that, I sent in a form by mail, which I never received a reply, report, or any response whatsoever to even acknowledge I had ever even sent it in. I then tried to sign back in to the website. Now, one would think that if you answered the first set of security questions, then perhaps you could get all three of your reports, but Nooo! I received only one, then proceeded to the next, which had some of the craziest questions I had ever heard. I then called Experian, who then told me my favorite pets name was something so bizarre - I could not believe it! Then they proceeded to tell me my email address, which again was something I had never heard of! They then told me I could not have a copy of my credit report directly without paying for it, and advised me to go back to Annual Credit Report dot com to re-apply.

I tried to get a credit report from any one of three agencies, but every time I try, I get a message that my information does not go through. However, it does recognize my bank account and took out the $1. I can't find anywhere on their site to cancel this so that they do not start taking out $19.95 a month for reports, when I can't get even one. Their web site stinks and is very difficult to navigate. Does anyone know how to stop this? I feel really stupid!!!!

I used to be able to actually request my free annual credit file disclosure from all three agencies through this website. Not anymore. Now all I get is this error message: "We are unable to process your request". Going through Experian's computerized phone thingy today was not helpful! My name is real easy, not very long, and I don't have a middle name, but still this machine is unable to spell my name back to me. I wonder, if I'll get anything out of this - let's wait for 3 weeks... They probably just want to get you frustrated enough that you'll pay for them to disclose whatever data they collected about you. This really should be illegal.

AnnualCreditReport.Com sucks. Been unable to obtain my free annual credit report from Experian for months. Each request ends the same way "We were unable to honor your request. If you entered your credit card information, we did not charge you." Same thing happened with my son and my wife. Filled out the contact form stating my complaint several times and nothing gets resolved. Prefer not to do this via US Mail (too often we get other peoples mail so it makes me wonder who may be getting mine).

After entering information the web site said processing for TransUnion Interactive and never finished in over 30 minutes. This was not a problem on my end as the computer and network connection was working with other transactions. This is similar to complaints by others. There is no way to report the errors via computer or phone to the web sites and companies involved. So do not waste any time with this site as it does not work.

Every time I try to get my free annual credit report they say they cannot identify my information (name & address) despite the fact I have been married & using my married name for over 10 years & have lived at my current address for over 7 years. The agencies then send me a letter asking for SS number etc through the mail and a charge of $150 total for all 3 agencies.

I tried to get my annual credit report which I have done every year for many years. I selected TransUnion. I got as far as "loading your information - please wait" and no further. It tried to load for about 15 minutes at which time I gave up and disconnected.

This site used to work beautifully, with no hitches at all. Now, only two of the three credit reporting agencies even pretend to participate. User experience? Here's what you go through: You type your way through many steps where you give your personal details with the promise that you will receive your "free" credit report. At the end of all these steps, you simply meet with an incurable error message, and a link where you can instead PAY MONEY for the credit report instead. I guess our government has sold us out to the marketing people, at the end of it all.

PS. I can't wait to see what happens after I check the box that asks If I want to have an attorney contact me about my complaint! Oh that's right, I probably will wait a long long time.

It's as everyone else says on here. You fill out your info & the site says there's an error & makes you start all over again after three attempts. It's a continuous cycle to nowhere. WTH is going on. It's a Federal Law that's not being enforced & being run by these Wild West Show Credit Unions. They're scamming us consumers & costing us thousands in extra charges from these scamming insurance companies to screw us out of more money.The credit reporting companies want to scam us on becoming members of their credit union & the Insurance companies are definitely scamming every single one of us . What the hell does my credit have to do with my Freaking Insurance Policy? Tell me that! I pay my damned policy in cash up front. There's no ** way my credit has a ** thing to do with my insurance. It's a ** Screwed up bunch of BS we Americans have to deal with out and out fraud by insurance companies & credit bureaus. Get your congressman to do something about these MAJOR SCAMMERS ON THE AMERICAN CONSUMER.

When trying to retrieve my free report for the year, a message appears unable to process the report, this problem occurred many times before!

Equifax no longer supporting annualcreditreport - I have read other postings here and it is clear that Equifax has pulled out of the online credit report. This morning Equifax would not accept my input data (I have a form filler so the data were correct), I tried it 3 times, same thing, I need to mail in lots of documentation which is NOT required for the ACR. When I read here that others have experienced the same thing, this accusation about Equifax is valid.

Each year all of my family members (6 of us) obtain our free credit reports and each year we CANNOT get the Equifax credit report online. The site tells me and my other family members that we are unable to give the copy online and need to mail in their online form with all of our identification. No problem with the other two companies, I get them online every year. I know for a fact that all of the test/security questions are answered correctly on the Equifax site. I see by other comments that I am not the only person that is having problems with Equifax.

I tried many times to use their phone system. Each time everything would be accurate until it got to my apartment number. The number for my street address and the number for my zip code were correct, but when the system would repeat the apartment number, my four digit number would be read back with a number about 10-20 digits long.

I'm not sure if it is Equifax or AnnualCreditReport problem, but both have severe customer service issues. I tried getting the free report for Equifax, like I did with the other two companies, but Equifax's initial verifying questions don't apply (or if they did, they are unauthorized loans) so I answered correctly but the site said there is a problem and I would need to send in the written form. So I did, and included SocSec, Paystub, d.o.b., EVERYTHING requested.... DOE!!!! That was over a month ago and I have not heard squat. So I tried calling AnnualCreditReport today, but they have no-one connecting to talk to! Then I went to their site and filled in the 'Contact Us' page, but when I clicked on the "Tell Us About You" (the only link to click - but with no questions or space to add info), a new page tells me there was errors and I need to add more information about myself. Yea, ok, WHERE?!!

My husband and I both tried to order our "free" credit reports from "AnnualCreditReport.com". We had reason to believe someone got a hold of our personal information. My husband tried over and over again and kept receiving an error message. Then it told him it could not be given "online" and that he would need to send a copy of his driver's license and social security card in order to have his reports mailed to him. Of course one would be insane to send such personal information through the mail so he tried calling the company to no avail. No "live" people to answer the phone, just an automated system.

I wanted to print out a free credit report, but I also wanted to obtain my credit score. It said there was a fee, which was fine. I submitted my bank card information, but an error message said my card could not be processed. I tried one more time, as it appeared as if I had entered information incorrectly. I still got the error message a second time. I've had problems with my bank card on other sites, so I tried a credit card. But I still got the error message, and this time it also said my score could not be provided online??? Then a link for some form pops up, and says I would have to submit my credit score request through the mail. I cut my losses, and just printed up a free credit report instead.

I printed out the 3 annual credit report so I could submit to my attorney but unfortunately, I lost them and trying to get another copy has been impossible. I need to speak to a live person so that I can explain what happened so that I can get another set of the annual credit report. I know that I have to probably pay but that is not a problem. Trying to get someone to speak to has been impossible. Can anybody help me?

I was able to get the free report from Experian, but then I lost connection and was not able to get Equifax or TransUnion. I try 10 times to contact Annual Credit Report Customer Service via web, but each time was undeliverable, please try back again.

This is what happens when you let people with a vested interest write the rules. I've fought with this site since it was started. I never got any satisfaction. Sometimes Equifax works but the other two... no. It's rigged to show errors and say they can't give you the report. They want you to pay. They force you to pay. It's a government-sanctioned bait-and-switch! How can we stop this? Class action or something? Where can I sign? Thank your local lobbyist for their influence in DC.

TransUnion Online Dispute - I have been trying to log in for over an hour and this website won't let me create a new password. This has been very frustrating. I made sure I entered at least 8 characters with letter and numbers and it keeps throwing up an error. It won't let me create a new account because it says I already have one that I probably created 6 years ago. It's very annoying and frustrating.

I went to the Annual Credit Report website and requested for my credit report. After viewing my Equifax report, I was told I could request my credit score for $7.95. After entering credit card number, I was told my request could not be processed. After chatting with an agent, I was told that my credit card was charged. They said they could not help me and I would need to contact Annual Credit Report. When I called them, I could not be put in contact with a human. Only an automated system where I could put my credit card info in again to be charged, assuming again for nothing. I called Equifax back and could not get a human after waiting 30 minutes. This is a shady bunch and put them in the same category as Free Credit Report.com, except that those guys give you something for money. This place gives you nothing.

Ok so I go back to each of the individual sites, since there is no log in for annual credit report. Each on says I have no account. Then when I went to dispute transunion, I tried to make a new account. Then it told me I already have an account. So I tried to log in again then it tells me I can't and need to reset my password and when it asks me my secret question. It is not even the question I answered and won't let me log in or change my password. I've been on the computer now for over 4 hours and I'm just pissed off. All I wanted was, my free reports.

My husband has many discrepancies on his credit because his dad’s name is similar. He got all information entered then he wanted to view it and have access for 30 days. The viewing was only our revolving credit. Then the computer page froze and wouldn't let us see anything else. Then I figured that I could close it and log in with the username and password. Well, there is no such site that lets you log in on annual credit report. When I tried each individual credit bureau, it didn’t work either. The only site that had a log in was ****. What a joke! Then the questionnaire asked if what they were selling was helpful. What a crap! I just want to get these stupid things cleared up. I could have sworn, I've already tried to do this twice and it’s still not taken care of. Why aren’t they getting in trouble yet?

I downloaded my credit files from all three bureaus the end of October 2011. I cannot locate them and I have been charged $16.95 for a membership in their whatever program. I called cs to get this stopped and I was told to send a fax showing the debit in my bank record. I did this and no satisfaction with the cancellation of membership. I called again and the cs lady asked me two questions about info in that report. I explained that the report was not available for me to see. She refused to aid me in any manner until I could answer these questions. I go back to annualcreditreport.com and am told that I must pay for the second report and they are refusing to make the report available via computer screen. They stated they would mail the report to me by USMail. Still have not received the report by any means.

I have been trying to get my annual free report using the government authorized website since November 5, 2011. I have not gotten a report from TransUnion in over a year. I need to check my credit report because someone stole a mail from the Unemployment Department with my social security number on it. I have tried using both Chrome and Explorer, but with no luck. Most of the time after entering my personal information, I get a message saying there was a processing error. If I am lucky, I get to click on TransUnion, which transfers me to the next site. I click "next" and then get a message that says they are having technical problems, and to bookmark the page and come back in 30 minutes. I just want my free credit report that is guaranteed to me by law.

They will not process you request online. When you go through all the filling out of info, you will get an error page, no matter how many times you try. The 3 credit agencies do not want to give your report for free. By disabling the site you have to contact them direct and pay a fee. The whole thing is a joke, it's against the law, but it would seem they do not have to follow the law.

I went to the above website to request my annual credit reports, and since then, I have been receiving via my email, credit card offers, and credit repair offers. I thought it was illegal for a company like that to sell my email address. I am very careful about marking or unmarking boxes excluding my email from receiving any or further communication from that particular website or any other website. What can be done? I do not want to have to change my email address. I'm not sure on what to do next. Do you have any ideas?

I sent (certified) a form requesting an annual report from Equifax, along with supporting documentation. They got the mail. I never got my report. Inquiries have resulted only in bureaucratic baloney. I am very concerned that my private information has been lost or stolen.

I went to get my credit report, which I have never got before at annualfreecreditreport.com and it sent me to all three companies and each one did not give me a report - it said “unable to view” and there goes my so-called free credit report. I called Equifax and it said, “For your free credit report, it will be 7 dollars,” and it was automated and wanted a credit card. WTF! I am about to be homeless and my credit is screwed, I can't get accepted for a credit card. I just want my report to see what can be fixed, I already wish I was dead. Is it too hard to just get 1 of them to give me a really free ** report? Please help.

I requested my free credit report twice. First time in May thru their website, second time in July over the phone. I have not received my credit report at all.

I requested my free Annual Credit reports via AnnualCreditReport.com & when I went into the Equifax portion I chose to pay for my FICO Score & was charged accordingly. I went to retrieve it on the website & lost everything but yet didn't recieve my report nor my Score but yet was charged on Nov. 29, 06 thru my bank. I do not have a problem with paying what I requested but I couldn't get my score when everything shut down not to mention calling them, you recieve nothing but automated services & can't get to a Human Being.

I accessed site to order my annual free report from the 3 credit bureaus. First I tried Equifax that advised it can't provide me with an online report; instead I have to mail my request (or phone in) and wait for my report in 15 days. Then I tried TransUnion which won't let me login since I was a prior customer and asked for my username and password. After a year, I don't have that data.