As we all know, we are entitled to one free credit report every year by logging on to annualcreditreport.com. This is the official website supposedly set up by the three credit bureaus, Experian, Equifax and TransUnion, as mandated by the government. Obtaining the free report from Experian and Equifax was easy, but not with TransUnion. As a matter of fact, I haven't been able to get a free credit report from them since this program was started.
Every time I request a report from TransUnion through the annualcreditreport.com website, it asks me for my "TransUnion" login and password. Years ago I bought a credit report from them and created a login name and password. I don't remember them anymore. When I click the "forgot my login / password" icon, it supposedly emails the information to my old email address that I haven't used for years. When I call them, they also ask for my old username and password, which I don't remember. To make a long story short, I am not able to obtain a free credit report from TransUnion. I always end up paying for it, which they make very easy to do. I believe they designed the procedures for obtaining a free report to be so hard and complicated in order to redirect the public to their pay-only website.
0 comments