Is Annual Credit Report Request Service Legitimate
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Samantha of Akron, OH Verified Reviewer
Original review: October. 15, 2021
Information technology's merely freaking horrible. You waste material time and you chance losing your personal information via the night web. And After you're done these scammers don't fifty-fifty give you a credit Score and so it's not safe. It'south but a complete waste of time.
Christina of Montgomery, IL Verified Reviewer
Original review: Sept. 16, 2021
I'm Not hither to merits this is a fraudulent site. It's NOT! It does offer Gratuitous CREDIT REPORTS ONLY asking with other PAID services that people automatically click on & don't read Outset! ie; I believe all iii offer to SELL consumers a CREDIT SCORE (not a Costless Report/service) OR they offering each agency'due south PAID memberships that i, again, MUST READ CAREFULLY & Decline before mindlessly pushing "accept!" Hence, all these 'fraudulent" charges that Steve fraud at all, you just didn't realize Y'all clicked to accept...
Anyhow, non my outcome, just wanted to analyze... My issue is either with TU or ACR.com for maintaining wrong information on me. Subsequently existence denied an online written report from TU, it prompts me to call or use snail postal service, of class, I Called! And, DESPITE having recently cleared ALL inaccurately reported personal info on my TU credit study, information technology recites INACCURATE, TRANSPOSED info!
After calling the number given on ACR.com, & requesting my TU written report, the automated organisation asks my name, it states; is your last name: "A" (which is actually my FIRST initial) & is your first proper noun "Doe" (which is actually my MAIDEN, Final name from x+ years agone, pre-marriage). And then, information technology's either ACR website event or a TU issue, because I got my other 2 reports online SEAMLESSLY!
I believe I only solved my own answer, it'south TU, but unsure whether it'due south but in ACR database, but undoubtedly this will be an extremely difficult issue to resolve with either agency!! Takeaways: READ FINE PRINT, Pass up THE Purchase OF PRODUCTS OR SCORES & over again, READ EVERY DOT & TITLE earlier pressing go along on any folio.... you will receive a free, legitimate, credit report!
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Shari of Sun City Westward, AZ Verified Reviewer
Original review: June 22, 2021
I should accept known this was not legitimate when the website asked for my credit menu number. Maybe there was some very small print I didn't see/read but everything I saw said "gratis credit written report." I read my credit report while on the site and a week afterwards my credit card statement showed upwards a $fourteen.99 accuse from Experian. The last time I used a "government-affiliated" gratuitous credit report website was a couple of years ago and I was never charged. I emailed the company but no response and so far. It doesn't seem off-white to call the credit card company to reverse the charge because so they volition eat the loss. Don't use this site.
William of Chesapeake, VA Verified Reviewer
Original review: Oct. 14, 2020
This is a 5 (five) Star service. It is easy if ane follows the directions given and allows time for pages to load. The FTC.gov endorsed website, annualcreditreport.com provided all the information needed to retrieve credit reports. Then, some of the reviews given (they revealed more about the user than'), were non good, because, apparently, they, the user, didn't follow one of two things, the directions given (hint: read every word) and / or they did not allow (wait) for their rendering webpage to render. A suggestion for others trying to use the service: requite yourself plenty of time [That is fourth dimension to read, fourth dimension to sympathize, fourth dimension for pages to load, and (This last ane is of import.) time to retrieve information from years ago.].
Elisa of Austin, TX Verified Reviewer
Original review: Feb. 22, 2020
I attempt to club my three credit reports. Later inbound my security info for Transunion, the folio kept flickering and would not load for several minutes, when I airtight it and endeavour to club it again, it said I take already ordered my report. So while viewing my Experian written report, it timed me out and directed me to the experian log in page where it asked my first job, pin and credit carte du jour information. I closed out that page and attempt to go back into annual credit written report page, where it had checked off transunion and experian like I had already gotten my reports, when obviously I hadn't had an opportunity to complete due to their faulty site.
I completed the contact class merely I am rightfully due my costless yearly credit report, this site is obviously not free or it wouldn't be request for my credit card information or the site would be fully functional and exist able to make up one's mind if a report was really ordered. I guess I have to report information technology to consumer protection. I had the same issue last year when I used this site for my transunion study. It wouldn't permit me to print. When I reported information technology to the BBB, they stated I had to pay for it and they are not responsible for the site non printing it. This site is obvious not liable or a scam to brand money off what's suppose to be gratuitous.
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Jeff of Norristown, PA Verified Reviewer
Original review: Sept. xi, 2019
This site states that information technology is Free. However, they do charge a $i.00 refundable fee, however, if i is non careful you are charged a monthly fee and y'all have 7 days to cancel this service. Yous exercise NOT have a choice, you take to have the service - nowhere on the form tin you choose to cancel the service!!! And then you lot are instructed that you may cancel this service within vii days by calling a 800 phone no. I call the number and the service rep tries to change my heed three times by offering various prices for their service. Each time I refuse and I tell him, "NO. Abolish my service." This site should be Costless, NO refundable fee, Complimentary should not entail further caption!!!
James of Russellvile, KY Verified Reviewer
Original review: Aug. 27, 2019
Website inquire obscure questions from 7 years ago that I might recollect or not. Cannot become a report. I think all Credit Bureaus are a scam existence bought off past Collection agencies. These bureaus effect people'due south lives. They do not care nigh or endeavour to help. Should exist put out of business concern. They are merely for the privileged.
Stolen Identity of Cambridge, MA Verified Reviewer
Original review: July 17, 2019
There is no manner to get in touch with a person at AnnualCreditReport.com/. This arrangement allowed an identity thief to download my Transunion credit written report. Equifax was non downloaded but Experian possibly could accept been exposed. There is no mode to discuss this issue with person and therefore there is no way to forestall this in the futurity. Now the thief has all the information needed to take control of my assets. The US regime should non be sharing a link to this site.
Robert of Tucson, AZ Verified Reviewer
Original review: June 13, 2019
I was wary afterwards reading the other ratings so I went to the Federal Trade Committee's website for more information. I found that the FTC not only has a link for AnnualCreditReport.com but also states that it IS the ONLY authorized website for free credit reports. Once I was certain information technology was legit, I decided to submit a request for TransUnion'southward report (I prefer to space out the reports in 3-month periods since y'all can but see each one in a 12-month flow). It was a simple 3 page process (kinda tedious to load even later disabling my AdBlocker). I was also able to download a pdf of the written report and the whole procedure took effectually 5 minutes.
Of notation, there was a big shiny button offering to show my credit SCORE (NOT Report) for TransUnion, only it requires you lot to sign up for a paid membership.... No thanks! In summary if you lot are looking for your credit Written report, then this site is easy, quick, and simple AND it is the only online source endorsed by the Federal Trade Commission. If you desire your credit/FICO SCORE, several companies offer free score reports for their customers (a quick search for "places to get your gratis FICO score" is a good start).
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Michael of Commerce Township, MI Verified Reviewer
Original review: June 7, 2019
I've tried to retrieve my credit reports online, filled the form accurately and no matter what I practice it says unable to proceed and to request past telephone or mail. No reasoning given or chance to correct whatsoever bug.
Source: https://www.consumeraffairs.com/online/annualcreditreport_com.html
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