Question
Has anyone experienced this situation with annualcreditreport.com?
I realize that this site is the only Government-recognized entity for free credit reports but I am slightly worried as to what can happen after I submitted so much information to them. I am sure I am not the only one this has happened to...let me detail the situation. I read an article on Yahoo! about things you could get for free and one of the things listed was the aforementioned credit report from this website. I proceeded to the site by entering it into my browser and reading the information that came up next. I saw nothing about a credit monitoring service so I believe I am safe there but what got to me was when it was time to "verify my identity". They asked me for the numbers of my credit cards (a couple of which I am sure do not exist) and also my loan account numbers. I typed them in only to be dumbfounded when the answer was repeatedly "we cannot verify your information". They even locked me out and said I would have to get it by mail but that's beside the point. What I am concerned about is the fact that I provided a lot of personal information (I do not need a lecture about how wrong this is) and I want to be sure that they won't use it in the future for their own gains. I declined any of their efforts to e-mail me when it's time for my next report as I will not be using their service again. I just don't see how that information that I provided (the loan numbers and account numbers for the credit cards) can be used if they didn't even accept them as a way to verify my identity. I hope this has not become too muddled with words. I have read numerous accounts of people being scammed through these very services (Experian and TransUnion) so my concern is growing with each testimony I read. Any information that is provided will be appreciated, save those efforts to make me feel like I did something of inferior intelligence to even visit the website, honestly.
3 months ago - 5 answers
Best Answer
Chosen by Asker
You should be ok as long as you typed in annualcreditreport.com and didn't click on an e-mail link that someone sent you.
by Michael T
3 months ago
Asker's Rating: 
Other Answers
The "Free Annual Credit Report " is done through the the U.S. Dept. of Commerce. I haven't used it yet,but I don't think they use any financial info. You do need to give some info so they can get the right report for you and you should get it in the mail. The credit monitoring services may let you download a report when ever you want or at least look at it online. I got a flier from Consumer Credit Counseling Services,I'll have to read it. The toll free # is1-877-322-8228 or mail to: Annual Credit Report Request Service P.O. Box 105281 Atlanta,Ga. 30348-5281 Your credit score is not included so you have to purchase it separately for about $6 or $7. These are the only 3 ways to get the free reports.
by Ralph T- 3 months ago
By law, you are entitled to one annual credit report from each of the three credit agencies. Experian, Transunion, and Equifax. These bureaus have record of your credit history, you simply need to contact them and ask them for a detailed credit report. Once a year from each bureau.
by Gary- 3 months ago
Something is wrong with your credit and that is why you were locked out. Suggest you pay another company and find out just what is on your report.
by sassy25- 3 months ago
I think "sassy25" is probably right. Their on-line system was unable to verify information in your credit record. Either use the Annual Credit Report telephone request system or mail in the request form to get your reports by mail.
by jlf- 3 months ago