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Consumers snap up credit reports online By David Becker Staff Writer, credit report free gov Indiana CNET News Equifax, Experian credit report free gov Indiana 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 Act, a federal law passed last year to deal with growing concerns over privacy and disclosure of sensitive financial data. credit expert Compliance is being phased in regionally this year, with consumers in 13 Western credit report free gov Indiana states the first to benefit.

None of the agencies would disclose precise numbers, but each reported a rush credit report free gov Indiana of requests through their joint site--www.AnnualCreditReport.com--Wednesday morning, with tens of thousands of online reports processed the first day. Opening-day kinks Experian credit report free gov Indiana 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. identity credit report

"We did have extraordinarily heavy overall volume," Experian spokesman Donald Girard said. "credit report free gov Indiana We did experience a few credit report free gov Indiana 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 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 was definitely heavy volume, and I'm sure at times it was a little bit slow, but everyone got through." Customers may have been more flustered by credit report free gov Indiana 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. free credit report from the government Some are even trick questions, where the correct answer is "none of the above." Answering an authentication question incorrectly means you're locked out of the site and have to make a mail or phone request to gain access to credit information.