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.