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Consumers snap up credit reports online By David Becker Staff Writer, CNET News Equifax, Experian and TransUnion, the three major credit reporting agencies in the United States, on Wednesday began offering free reports to consumers in Western states under the Fair and Accurate Credit Transactions credit report government free Marquette Act, a federal law passed last year credit report government free Marquette to deal with growing concerns over privacy and disclosure of sensitive financial data. Compliance is being phased in regionally this year, with consumers in 13 Western states the first to benefit. None of the agencies would disclose precise numbers, but each reported a rush of requests through their joint site--www.AnnualCreditReport.com--Wednesday morning, with tens of thousands of online credit report government free Marquette reports processed the first day. three free credit reports Opening-day kinks credit report government free Marquette Experian and TransUnion reported a few opening-day headaches, mainly from servers choking on the volume and either loading pages slowly or presenting visitors with error pages.

Both agencies reported that they had corrected the issues by Thursday.

"We did have extraordinarily heavy overall volume," Experian spokesman Donald Girard said. "We did experience a few glitches in the system, and we worked out the kinks as fast as we could." TransUnion representatives did not immediately respond to requests for comment by credit report government free Marquette CNET News.com, but reported similar first-day glitches to the Associated Press. "We encourage consumers who had a difficult time Wednesday to come back at their leisure," TransUnion spokeswoman Colleen Martin told the news agency.

'Everyone got through' Equifax spokesman David Rubinger said the company had a smooth first day, with no reports of servers choking.

"It credit report government free Marquette was definitely heavy volume, and I'm sure at times it was a little bit slow, but everyone got through." Customers may credit report government free Marquette have been more flustered by the security measures surrounding the credit site, which asks customers several personal questions to verify identity, such as which bank holds a certain mortgage or which gas station issued you a credit card in 1998. three credit report Some are even trick questions, where the correct answer is "none of the above." Answering an authentication question incorrectly credit report government free Marquette means you're locked out of the site and have to make a mail or phone request to gain access to credit information. "credit report government free Marquette We're concerned about the potential for fraud, so we need to make certain you are who you say you are," Girard credit report government free Marquette said. "That's why we advise people that when you request a report, you need to make sure you have time to credit report government free Marquette go through your checkbooks and files to credit report government free Marquette make sure you have the information we ask for." Security concerns have also restricted access to the site. News sites and other Web pages that tried to link to AnnualCreditReport.com mostly have had non-working links that credit report government free Marquette default to an error page with the message: "For security purposes, www.AnnualCreditReport.com can be accessed by typing the web address 'www.annualcreditreport.com,' or from links from the Federal Trade Commission (www.ftc.gov), Equifax (credit report government free Marquette www.equifax.com), Experian (www.experian.com) and TransUnion (www.transunion.com) Web sites." "We're being very protective of the link, credit report government free Marquette so someone doesn't spoof the site," Rubinger of Equifax said. The posting of advertisements, profanity, or personal attacks is prohibited. If you believe this comment is offensive or violates the CNET's Site Terms of Use, you can report it below (this will not automatically remove the comment). annual free credit report by law Once reported, our staff will be notified and the comment will be reviewed. Offensive: Sexually explicit or offensive language Spam: Advertisements or commercial links Disruptive posting: Flaming or offending other users Illegal activities: Promote cracked software, or other illegal content Note: Your e-mail address is used only to let the recipient know who sent the e-mail and in case of transmission error.