Anyone else have difficulty getting their Annual Credit Report?

1985 & going strong asked:


For the past several years, I have encountered difficulty getting the free annual credit report from the credit bureaus. For “security purposes”, they each ask some questions ( 2 or 3) to verify my identity — one always involves a mortgage — and I always give the correct response (I don’t have a mortgage). This renders the other question/s about the mortgage inaccurate as well.

Regardless, I have continually gotten the message (after declining to purchase additional services), that I need to mail in additional information to confirm my identity, or wait for some code to show up in the mail that I can use to view my report. I believe there is a phone option as well.

Initially the trouble was only with TransUnion, which lasted for a few years. I have not been able to access my free credit reports beyond the second year after the program’s introduction.

I was wondering if anyone else has experienced difficulty gaining access to their free credit reports?

Benedict Steinmann