Readers have mixed results getting free reports
When the free
credit report program -- mandated by the Fair and Accurate Credit
Transactions Act -- began rolling out in the West in December 2004,
Bankrate invited readers to let us know how they fared when they
requested the reports.
a sampling of our many responses:
I have ordered my credit reports and it was easy and very
informative. It awakened me to things I had forgotten or put in the back of my
mind. It is really good just like all of your reports.
you and always will read your reports.
-- Walter L. Adkins
I just finished checking my father's credit report (with his approval
obviously) through the new free credit report deal. It was great.
This is definitely a great opportunity that every American should
take, especially when it really is free (hard to believe, but it
is true). I thank Bankrate.com for always being there when I have
questions about anything to do with finance. You guys really are
awesome. If it were not for Bankrate, I probably would spend a lot
of time trying to figure out how to get a free credit report. I
plan to check my mother's and mine also.
-- Ricardo Esparza
It was very easy, and because I live in Oregon, I was able to be
one of the first to do it. I had no real problems getting my scores
either, other than having to pay for them (the three-digit FICO
scores). I knew I should have excellent scoring and I did!!! Woo-Hoo!
Ordered my credit reports. Received them promptly. Thanks
for all the advice. Love your site. I'm on my way to financial freedom with
your help. Keep up the great advice.
-- Jeff Robinson
I have had absolutely no luck in trying to get my credit report.
The instructions are very confusing.
-- Phyllis Harrison
Equifax had to mail in form to get copy of report. TransUnion would
not let me enter. Experian was good and furnished a copy of report.
The other two were hard to enter and just stalled. Very poor.
I tried to order but they want a credit card for a
trial subscription. Free? They don't need my credit card number
for any trial subscriptions as far as I am concerned. Just send
the free credit report, period. Need I say more?
Re: Equifax credit report on Nov. 20, 2004. Ordered
online but could not get it. I gave my pet's name but it didn't
work -- probably a problem with them. I sent them a letter -- no
response. I called on Dec. 28, 2004. I gave them all the info they
wanted, but pet's name didn't agree. I KNOW MY PET'S NAME! They
refused to mail me a report. They didn't care if I tried to cancel
my credit card charge. Very poor customer service.
Hi Bankrate Editors,
Procedure was very simple and fast!! I was able to
obtain all three reports in minutes and print them out for reference.
also has info on how to request corrections or other changes by each agency.
I was unable to order my credit reports online. When
I chose Experian from the list at least three times, it never transferred
to their Web site. Equifax took my information, verified my identity
then said, "There has been an error. Try back later."
TransUnion said, "Due to security reasons, we cannot give you
your credit report online. Please order it over the phone or by
mail." Very frustrated and feeling defeated, I finally ordered
one over the phone.
I am not impressed with annualcreditreport.com
I just tried the site www.annualcreditreport.com.
I specified a state (California) from the menu, and clicked on 'Go.'
I got the following message:
"Cookies are needed to continue
processing your request. Please make sure cookies are enabled on your browser.
For instruction on how to enable cookies, click here."
I check the Privacy setting of my browser and it is
already set to medium (cookies allowed). So I don't know why it
wouldn't allow me to continue.
was easy. Just a phone call and they came.
Wish we didn't have to pay for our FICO score. That
should be included, too.
NO! Went to TransUnion. They want $29.95 for THREE-IN-ONE only.
Additional score report $9.95. Nothing mentioned about
any FREE REPORT!?
-- Jack Evans