Today I tried pulling my free credit report from the official (the only site mandated and authorized by federal law) site at
https://www.annualcreditreport.com/index.actionWhen I tried to pull my Equifax report, after entering my name, address (I've been there 7 years), and SS number, and finally the capcha (very easy capcha, I know I got it right), I got this error:
“ We're sorry. A condition exists that prevents Experian from being able to accept your request at this time.”
“To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form.”
“Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281”
This error happened BEFORE the page where you verify personal info like employers, address, and phone numbers in multiple choice format.
I was browsing with AdBlock plus and Ghostery, using Incognito mode in Chrome.
So I tried getting my Experian report. Same result. My last downloaded report was February 2014, so I am eligible for all three reports.
I have had no fraudulent activity, no identity theft, no charge backs, no holds or locks placed on my credit. No Life Lock or similar.
However, I was in two of the of the recent huge data hacks, the Home depot breach and the Anthem Blue Cross hack. Which is why I decided to be more proactive in checking my credit report for accounts that I did not open.
I really did not want to mail my credit report request (contains my full SS #) and the report itself through the US mail.
So I tried one last time, this time with AdBlock and Ghostery paused, and not using Incognito. I tried the one remaining report, TransUnion.
After answering the security questions, the TransUnion report came up fine. A sea of green “OK”, and all accounts known to and opened by me. :-) Whew, I was a little worried, considering I could not get in the other two and was one of the millions affected by the Home Depot and Anthem data breach.
So my question is, why could I not get my Equifax and Experian reports?
Was it AdBlock, Ghostery, and Incognito mode? Again, to repeat myself, I've had no fraud, locked nothing down, no subscription to Life Lock or similar. I didn't even sign up for the free credit monitoring from the HD or Anthem breach.
Anyone willing to be a guinea pig? Try accessing Equifax or Experian with AdBlock, Ghostery, and Incognito mode?