AnnualCreditReport.com Reviews

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.

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.