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I haven’t had issues with the annual credit report process personally. The system is shitty though.

Equifax will give you a copy off your real credit report once per month if you sign up with them which is better than the other two will do. The rub though is they try as hard as possible to make you think you have to pay for it and every time you sign in you have to decline to pay.

It’s so fucked up. If we’re going to have our lives controlled by credit agencies, then individuals should be able to access their real score at any time for no cost and no bullshit. What a fucking racket.



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