AnnualCreditReport

This site is pretty easy to use to see all three of your credit reports (although they will try to upsell you to see your credit score which you don't need to get there). This is the actual government mandated ftc site unlike all the other misleading ones which offer a free credit report with a trial signup with a credit monitoring service (which often are a pain in the butt to cancel once they start charging your credit card automatically).

I wish I could give this site 0 stars. I agree with the reviewer who said that the credit reporting agencies have put in minimal (at best) effort with this "service", and only because the federal government has mandated it. I think that the federal government needs to head over and check it out, because the credit reporting agencies are absolutely NOT fulfilling their obligations to provide a free credit report to consumers once per year through this site. (Nevermind how hilariously ridiculous it is that we can only view our own personal information once a year without paying for it.) I have been told by two of three agencies that I must submit a request over the phone or through the mail because, for whatever arbitrary reason, they can't fulfil my request online. There is no live human to speak to on the phone, either. So when I don't receive my report as I am anticipating, I have exactly ZERO recourse. I am at their mercy and they are able to hold my personal information hostage, despite laws that were put in place to protect me (and you) from exactly this.

This is the REAL website whereby you can access and print your credit report from all 3 credit reporting agencies once per year.

The site is easy to navigate, and only takes about 20-30 minutes to access ALL 3 of your reports and print them out. They also have useful information about disputes and other credit issues that you might need to know about. You can have a free report once per year. There are additional services available for a small charge to get your credit score or monitor your credit. All in all, a nice experience and very helpful!

Don't be scammed by the "freecreditreport.com" type sites. This is the ONLY ONE that is really free and supported by the credit bureaus themselves. All the rest of it out there is just a ploy to get you to buy their "credit monitoring" or protection services. Not really sure if those work or not. But if you want a service like that, it's available here from TrueCredit and it's terrific and a LOT LESS than you'll be hit for on many of the other sites.

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.

This is the main site if you want a free credit report from one of the major consumer credit reporting agencies. If one does not have the time or interest, due all three during a one site view. However, you can spread it out over a year, if you have the patience and forethought. Also, you can request it in print. Yes, they will attempt to upsell to other service. NOTE: there are other credit reporting agencies or various ilks. Wikipedia has an overview article on this matter. The site came as a result through a change in a federal law near ten years ago, with much consumer insistence

So I am very wary of entering my full birthday or social security anywhere online. So I was wondering if this site is legit, I guess it is, I had to confirm with this site and www.ftc.org - http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml. Basically you fill out one form about your personal info and you get a credit report, not a credit score, free, from three different credit companies... Equifax, TransUnion and Experian. When you get the report make sure to save it or print immediately, once you navigate away you can't get it back from that credit company again.

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.

HORRIBLE experience.

First, this is a legit site. It (theoretically) allows you to get your credit report from all three credit report providers once a year, free of charge.

BUT they make it as incredibly painful for you as possible. I am an application developer, and their site fails just about every usability test I can imagine.

1) They use CAPTCHA-style human verification, but they use one with all capital letters. Typically, this type is case-insensitive, but is theirs? Of course not! Of course, they don't bother TELLING you that it's case insensitive, so you put in three bad codes and BOOM! They decide you've had enough fun, and make you start over from the BEGINNING. All the data you entered (the human verification is on the bottom) is wiped out.

2) The site is EXTREMELY counterintuitive, and the "security" questions they ask you are not good ones. If you, for example, pay more on a loan than is required, that might be a bad answer (or not? Who knows? They won't tell you.)

3) There is no opportunity to provide feedback for how badly they are screwing up. They have a "Contact Us" form, but even properly filled out, with all sorts of personal information, and another CAPTCHA trap, it won't accept your data... and after three times of verifying that all the fields they ask for are correct and properly filled in, and clicking submit, it blows away your feedback and makes you start over again, with absolutely no explanation.

Long story short, this is not a "service". This is something the federal government *required* the credit report providers to provide, and they put the absolute minimum effort into actually doing what they were required to do.

There is also no phone number, no email, no opportunity to contact a human to explain the multitudes of problems with this site. Good luck.