Free Annual Credit Report-My Free Annual Credit Report

Steven asked: I know annualcreditreport.com offers free credit reports every year. I just got one from Experian March 2008, but I later realized, after looking at my old file, that I got one from Equifax on Oct 2007. Will they charge me for this???Romona Marinella

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Ronald and Mary J asked: I was trying to get my free annual credit report from TransUnion @ www.annualcreditreport.com. I couldn’t remember my password, so I clicked on the “Forgot your Password?” button. They give you three tries. I tried twice, and then called the phone number to the right so I [...]

Adelaide B asked: All of them advertise ‘Free Annual Credit Report’ but require membership and a credit card in order to give me my ‘free’ credit report.
Isn’t there supposed to be a way I can obtain my credit report without having to pay for it?
Why on earth are they allowed to advertise that your credit [...]

Rick asked: Two months ago I maxed out all my credit cards and opened an unsecured personal loan because I needed cash for family emergency. Now I have approximately $80,000 debts from credit card companies and bank (all unsecured). After one month, I couldn’t afford to make the payments. For my situation, I don’t think [...]

Terri S asked: I’m a 21 year old female who has had bad credit for a long time because of my “dad”. He has supposedly changed. I want to get a school loan among other things, so I went to get my free annual credit report, only to be turned down because I [...]