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.