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.