General Question

AshlynM's avatar

Why can't I get my free credit report from Equifax and TransUnion?

Asked by AshlynM (10562points) March 19th, 2010

I went to the annualcreditreport.com site.

I was able to get one of my credit reports from Experian with no problem.

But I cannot get it from either Equifax or TransUnion. It says I need to order it by phone.

Why does it say this when I was able to get it from Experian just fine?

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5 Answers

CyanoticWasp's avatar

“Free” doesn’t mean that you get to dictate terms, I guess.

jaytkay's avatar

Not necessarily a bad thing.

You can get a free credit report, once per year, from three credit agencies. Get one now. Another in 4 months, and the third in 8 months.

So you can check every 4 months, for free. So anything weird won’t stay there for a year unobserved by you.

Much better than getting all three at once.

Pretty_Lilly's avatar

Most of them offer a so-called free report but they make you jump through endless hoops before you can get it !! It’s just a lot of BS trying to lure you into purchasing their useless services !!

jaytkay's avatar

@Pretty_Lilly

annualcreditreport dot com is legit and free and unique.

“AnnualCreditReport.com is the ONLY authorized source for the free annual credit report that’s yours by law. The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies — Experian, Equifax, and TransUnion — every 12 months.”

http://www.ftc.gov/freereports

jaytkay's avatar

@Pretty_Lilly

And I forgot to add – yes, you are absolutely correct, the credit agencies (and your credit card companies) will at every opportunity try to sell you access to something you can get for free. So ignore the “free trial periods” and such.

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