FreeAnnualCreditReport.com

Checked my credit report today. According to all three credit agencies, I don't exist. TransUnion's website was the worst designed, I think. I was required to create an account and password and agree to a fairly innocuous contract. (For example, how many contracts have a sentence such as this?

This Agreement will take effect at the time you click "Accept" below, and shall terminate on the date your Personal Credit Report is no longer available on the TrueCredit web site (which shall be no less than 30 days from the date that report is provided to you on-line).

I don't know what this means in the case that my report fails to exist, which is what happened. It also didn't seem to make any soul-sucking requirements of me. Most notably:

If you do not accept these terms and conditions, TransUnion shall process your request in the same manner it does when it receives requests through the United States mail.

The agreement is optional!) Then they skirted the edge of not selling me things — they suggested that I sign up for their monthly email newsletter. If I choose to be bombarded with a helpful monthly message from your local Illinois credit agency, they'll send me a reminder to get my credit rating again next year. No thanks.