Anyone else have trouble getting their free credit reports?
by admin ~ July 25th, 2006 . Filed under: Credit .
truelori asked:
Transunion and Equifax will NEVER give me the free credit report I am entitled to online. Has anyone been able to get their annual credit report from these agencies? I feel they are scam artists. Experian is the only one that lets me get the report online. They give no reason for this, just saying my account access is suspended. This has been going on for years now since the program started.
I AM going through the official site, www.annualcreditreport.com
Ever try calling one of those automated services? It’s a pain in the ****. The stupid voice recognition thing gets half the information wrong. They should give me the report online as Experian does.
My question is: Has anybody else had trouble getting your free credit reports? I have all the information I need to get mine; but they won’t let me get it. I want to know if others have had this problem.
Oh well thanks for trying but no best answer so far — I have followed the proper procedures and go through the proper web site. I put no alert on my file and I don’t know of any freeze or anything like that. I have no problem getting the report from Experian. The others will not give them to me.
Perry Shaeffer
Transunion and Equifax will NEVER give me the free credit report I am entitled to online. Has anyone been able to get their annual credit report from these agencies? I feel they are scam artists. Experian is the only one that lets me get the report online. They give no reason for this, just saying my account access is suspended. This has been going on for years now since the program started.
I AM going through the official site, www.annualcreditreport.com
Ever try calling one of those automated services? It’s a pain in the ****. The stupid voice recognition thing gets half the information wrong. They should give me the report online as Experian does.
My question is: Has anybody else had trouble getting your free credit reports? I have all the information I need to get mine; but they won’t let me get it. I want to know if others have had this problem.
Oh well thanks for trying but no best answer so far — I have followed the proper procedures and go through the proper web site. I put no alert on my file and I don’t know of any freeze or anything like that. I have no problem getting the report from Experian. The others will not give them to me.
Perry Shaeffer
July 26th, 2006 at 4:51 pm
Go through and you shouldn’t have any issues. That’s the official site recommended by the government, no hidden fees or anything as long as you follow their directions.
July 27th, 2006 at 3:37 pm
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
Call 1-877-322-8228
Equifax
P.O. Box 740241
Atlanta, GA 30374
1-800-685-1111
Equifax is the only one of the 3 bureaus that will give you your FICO credit score
Experian
P.O. Box 2002
Allen, TX 75013
1 888 397 3742
TransUnion
P.O. Box 1000
Chester, PA 19022
1-800-888-4213
July 29th, 2006 at 9:34 am
As suggested call Trans Union Toll free @ 1-877-322-8228 for all 3 free reports
July 30th, 2006 at 1:19 pm
I have gotten my credit reports online from all three via every year for the last four years so I know it works.
July 31st, 2006 at 11:50 pm
No trouble.
You have to follow the procedure. You must use the government specified annualcreditreport.com and not contact the bureau through their normal pay web site.
August 3rd, 2006 at 12:45 pm
There might be some kind of security problem. Is there a fraud alert or did you freeze your file? Maybe they can’t determine it’s really you.
Send a letter to each credit bureau asking for your free report. You will need to include a copy of your social security card, driver’s license (check the website to see what else). You should have no problems getting the report.