I was wondering if anyone has had problems getting their annual free credit reports. The last two years when I've tried to get a "free" report, usually 1 of the 3 bureaus works fine, and the other two try and make my jump through hoops by either mailing in a sign affidavit or "verifying" my identity by paying for their service, and being able to see my report instantly. Has anyone else experienced this? I would like to know how this can possibly be legal because they obviously are trying to discourage you from getting a free report, and instead trying to use the opportunity to reel in new paying customers. The whole thing pisses me off. I haven't checked mine the last 12 months because I can only predict what will happen... again.