Central Source, LLC · Finance · N/a
Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.
AnnualCreditReport.com is the federally authorized website providing free credit reports from the three major credit bureaus: Equifax, Experian, and TransUnion. The site offers educational content about credit reports, identity theft, and credit scores, targeting consumers who want to monitor and protect their financial health. The business model is focused on compliance with federal law and consumer education, positioning itself as the official and trusted source for free credit reports. Technically, the website uses a modern JavaScript stack with jQuery and bxSlider for UI components. The site is mobile optimized and accessible, with a clear navigation structure and professional design. However, some technical aspects such as security headers and cookie consent mechanisms are not evident, indicating room for improvement in security and privacy compliance. From a security perspective, the site claims SSL encryption and provides a security policy page, but lacks visible security headers and incident response contact details. The absence of WHOIS data for the domain is a concern, reducing trustworthiness from a domain registration perspective. Despite this, the site’s content, branding, and partnerships with major credit bureaus support its legitimacy. Overall, the website is a reliable and professional resource for consumers seeking free credit reports, but it would benefit from enhanced security practices, clearer privacy compliance mechanisms, and improved domain registration transparency.
Scanned
NIS2 Art. 21(2)
This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.
GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.
3 findings rated critical or high. Fix these first.
These are the privacy signals visitors and data protection authorities look for under GDPR.
GDPR requires clear information about cookie usage
What to do: Add a dedicated cookie policy explaining cookie usage and purposes
GDPR requires explicit consent for non-essential cookies
What to do: Implement a cookie consent banner that appears on first visit
TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.
Server supports weak protocols: TLSv1.1
What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions
Need hands-on remediation? Email guard@offseq.com
This scan found 17 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.
€25per month
Email alerts on material changes and an exportable JSON history of every change.
Billed monthly to your card. Cancel anytime. See sample alerts.
€39.90one-time
Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.
Each check with its score, findings and the evidence it collected.
The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.
Counted in this score
Not counted
Findings that cap the score at 49
Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.
Partial scans
When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.
Risk levels
Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.
Leaked records that mention annualcreditreport.com, from OffSeq Breach.
10 subdomains affected
See the 10 newest leaked credentials
A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for annualcreditreport.com.
Select it in the checkout above.
Breach keeps ingesting new leaks, so these numbers can grow between scans.
Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.
Automated reading of the public site. Ratings are indicative.
Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.
Retrieved 2026-10-25
Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.
Reviews of this site
Share your experience with annualcreditreport.com. Every review is verified by email and published after moderation.
Community rating
No published reviews yet. Be the first to review annualcreditreport.com.