In XXXX 2015 my wife and I requested our free credit reports from XXXX and in XXXX 2015 we requested them from Equifax , all XXXX online. Despite previously having gotten these reports online for several years with no problem and with no documentation required, we were both suddenly denied this by both companies and told we had to apply by regular mail, and to include numerous personal identification and financial documents. This is a nuisance and we inquired why, both in writing and by telephone, but were stonewalled and given no information. We were told simply that this is the procedure and no further information is available. The inconvenience is in having to assemble and mail these documents, wait several weeks for the reports to be sent, then having to scan them into the computer so as not to keep large amounts of paper reports on hand for years. Again, no explanation was given why we were denied, despite repeated requests.