“A condition exists that prevents us from being able to accept your request at this time.

Please visit this website again at a later time, or to request delivery of your free annual credit report via U.S. mail, call (877) 322–8228.

Thank you.” Anybody else getting this message? It started when I upgraded to Windows 7 on October 22, 2009. It previously happened to me two years ago (when I upgraded to Vista) – that lasted several months, then just started working. I assumed the website had a compatibility problem with Vista and finally resolved it. Anybody else having this problem?

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It is correctly put that everyone should know their own credit history and manage it prudently with an even better managed lifestyle – credit cards, mortgages, family life, etc.

But I’m always horrified when advice goes the way of using credit services and authorising numerous agencies or people to have access to your credit scores. Here’s what always happens to your info/credit score:

1) numerous credit checks will always cost you credit points – e.g. 10 people/agencies checking up on you over a short period of time could cost you 10 x 5 points = 50 points deducted from your score.
Imagine shopping for a mortgage and then finding out that your credit score will cost you 2% more for your mortgage! Simply use one mortgage specialist who does only one credit check and shops for the best deal for you.

2) Giving your sensitive personal information to say a car salesman (who will do a credit check and hurt your credit score even more and whereever else that your information may end up); or other credit agencies, be very certain your personal information is NOT 100% secure! There are a number of situations that your information can become available to special queries – this is a HUGE privacy concern.

3) You’ll start to concern the lenders and simply reduce your bargaining power for better rates and terms.

Just remember that you can do the checks yourself and do it free of charge without credit score penalty. Actually, a good bank officer or a broker can actually help you reliably and yours and their integrity remains intact.

I hope this helps someone as I have had similar personal disasters and helping others overcome it takes so much time, effort and a lot of nail biting.

“A condition exists that prevents us from being able to accept your request at this time.

Please visit this website again at a later time, or to request delivery of your free annual credit report via U.S. mail, call (877) 322–8228.

Thank you.”

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[...] AnnualCreditReport.com and Free Credit Score posted at Prime Time Money. My husband just did his last weekend for the first time. [...]

As for the Credit.com score, they state that it is not an estimate, but an authentic credit score.

I think as long as you are simply using these tools for “monitoring” purposes (which is their intent) then they provide an excellent service.