AnnualCreditReportReviews 40

I went through the whole process, providing accurate and complete information. "We are unable to process your request" and maybe something about my info not being correct or something. Zero explanation as to what the problem is. The previous address (which was correct)? You don't like my SSN (which I entered TWICE correctly)? Etc etc. No info about WHY you are unable to process the request.
But there's good news: they have a solution! "So write a letter to the address below like it's 1984 and wait 15 days or you can call our toll free number".

So, of course I call the number they provided, which is *******228, and it is only two things: 1) a one-by-one prompt where you can enter all the VERY same info you did on the website, except it will take 10 times as long to do as the robot repeats everything back to you slowly to press "1" if it's correct and 2) another option for a series of recordings providing redundant info that's already stated on the website, except that it is spoken to you in a robot voice for those unable to read, I guess.

Their "customer service" number is useless. No human. No help. No explanation as to what went wrong. Was it on my end, was it on your end. Nothing. The website is garbage. Just unadulterated garbage.

I was rerouted several times which made me felt uncomfortable. I had to restart browser to clear cache to make sure I wasn't hacked.

It was difficult to navigate through the website.

DO NOT dispute any wrong info ONLINE before talking to a lawyer! Clicking "by Agreeing mumbo Jumbo anythin" we bind you to arbitration.

You will waive your right for legal representation with a lawyer who most of the time will do it on contingency!

Anyone interested in obtaining a totally FREE copy of the their Consumer Credit Report can go https://www.annualcreditreport.com. This site has been set up by the big three credit reporting agencies in the United States, to furnish free annual credit reports once a year. After you log onto the site click on "Request Yours Now!. Fill in the form to verify your information and follow the links to obtain your free credit report from each of the big 3 credit bureau. The site is easy to navigate, however, make sure to answer the security questions correctly. The website may have an option asking if you "owned a chevy in 1961 along with other challenge questions to verify that you are not a robot. If none of the options pertain to you just click none. ** IMPORTANT! Consumers are only allowed one free credit report per year from each credit bureau. Write down the date that request your credit reports so you can remember when you are able to request new credit reports next year... and the years after. ** TIP: It is easier to dispute credit issues after you obtain a credit file number. You can use the file number listed on your free credit report. *** WARNING! Make sure you use the exact URL I provided so you will land on the site that says "The only source for your free credit report. Authorized federal law. Several companies have paid to have their name show up as the first result when you Google "free credit report' in an attempt to get you pay to receive your credit report. DO NOT get tricked into paying your credit report. Hope this helps everyone. There is such a thing as a FREE CREDIT REPORT. The problem is that there isn't a campaign to inform the consumer. Feel free to forward this on to your friends.

Seemed this worked well years ago--note how the star ratings have declined!
I concur with the other recent bad reviews--blocked from progessing, CANNOT send a comment--it continues to ask 'for more information', I got Trans, but blocked by Ex after a couple steps, and couldn't get past go w/Eq. Some of the info on me in Ex was WRONG--they insisted I'd had some activity that didn't exist, or amounts were incorrect. After getting 1 report, it's unclear if pressing the 'continue' button bumps you out of the whole process, or continues to the next company report.
Probably worthy of 2 stars (You would not recommend it), but these things should be flawless. I know, I've written I-net code/interfaces; I gave it a 1 star.
What should have been a 10 minute process, will now surpass an hour, since I will be making phone calls to acquire my reports; mail? 2 hours? Trip to post office? Sh*t!

I literally just got my Experian and Transunion credit reports from this site with no problems at all. I'm shocked actually, because I'd researched it and I always expect a scam or a bate and switch. Nope, put in my info, asked me some verifying questions opened up the reports and I saved them to my computer. You will have to pay for your Fico score though, but I didn't need that, so no problem For once, I'm pleasantly surprised by how easy something was and it never once asked for any credit card info.

In 2013 I used this process and within 5 minutes I had all 3 reports, it was great. Now, two years later, the only report I could get was from Experian. Transunion just gave me a " we can't fulfill your request page even though I hadn't even gone through the verification process. And Equifax asked me questions I didn't know the answers to before they sent me to the request by mail page. It is obvious that they do not want to fulfill their obligations and the bottom line is, you have to pay before you get any info, despite the government mandate.

I think you get one free credit report per year from each of the main credit bureaus, but you can get them all on this site. The government regulates it. Any other site that charges you for your credit report is probably trying to scam you.

Although it is the official, free, government-mandated site, annualcreditreport.com is useless online. According to their own FAQ they work with the following browser versions:
Internet Explorer 8.0 and 9.0 (Current version is 11 as of 1/23/2015)
Mozilla Firefox 18.0 and 19.0 (Current version is 35 or 36 as of 1/23/2015)
Google Chrome 24.0 and 25.0 (Current version is 39 or 40 as of 1/23/2015)
Safari 5.0 and 6.0 (Current version is 7 as of 1/23/2015)
They might as well just post the mail-in request form and put us all out of our misery (especially the part where they ask for my Social Security number on a poorly encrypted site)

Write your congressperson! Write the FTC. Let your friends know about this sneaky way of getting out of online service levels simply by having their joint venture company (Central Source LLC) going back-level on their browser interfaces so they don't work anymore.

That they do not provide credit reports online is ridiculous! If they don't have a secure site that allows such secure transactions, then they should not take my social security number and other sensitive information online. Every other credit report service provides online reports. They are operating as if it's the 1970s! Additionally, the information they require to send copies of in order to obtain your credit report by mail is not something everyone has. For instance, I am self-employed. I do not have pay stubs or a W2. Ridiculous requirements. Finally, the United States Postal Service outsources most of its processes. I do not use the USPS because of this, to say nothing of mail fraud and mail theft. There is no way I would send a copy of my SSN through the USPS.

They need to re-evaluate their antiquated requirements. Until they do, I use a company that knows how to protect my information online.

AnnualCreditReport's website has fallen into disrepair. Last year I got all three reports, bang bang bang, no problems. This year, it only directed me to Equifax. I had one item to dispute on that report, so once I got "into" the Eq website, I could not get back to ACR's website to save my life, in order to check the other two agencies for errors (yes, I clicked on all 3). I was directed only to the Eq link, not to Ex or TU. When I tried to start all over, naturally ACR said I was out of luck, since I already had gotten my "one free report" for the year!

Ok... so I'll have to pay for the other two. But I wanted to let ACR know about the problem, and guess what? Their "Contact Us" form is inoperable! I took the time to recount the problem I had, and when I got to the end of the form, there was nothing to click to send the information except a "Tell us more about you" button (?). So I clicked on that, hoping that it would submit my communication. Then, I got a red error message saying that "Tell us more about you" was an invalid request and to "try again"! Like a fool, I did try again... twice. No dice. By then I was gnashing my teeth and pulling my hair out. So now I'm ranting here to get it off my chest!

They really need to fire their IT person who messed up a perfectly good website. It was so easy last year... this year, a nightmare.