I had applied for credit with XXXX and was denied. The credit bureau used was Experian. I went online to their website to obtain a free copy of my credit report as allowed by law. The website challenged my identity with XXXX questions which I know the answers to. The site said it could not verify my identity and I would have to request my report by mail. I then went back to their main site and they offer your credit report and FICO score for {$1.00} for a 7 day trial to their credit monitoring program that then charges you $ XXXX a month. I signed up for this just to see if it would let me see my report if I paid for it. The verification page only had XXXX questions this time and what do you know, the system was able to verify my identity. Interesting that when requesting a legally required free report they make it difficult to get my credit report but as soon as I pay them some money they miraculously make it so easy and know who I am. This stinks of fraud to me. I pull my credit reports every year and if I am declined credit or a service. Experian makes it difficult if not impossible to obtain what they are required by law to provide. They wanted me to send a copy of my driver license and social security card through the mail to them. I have worked hard to build my credit up and the last thing I would do it just mail my identity to a processing center. Transunion and Equifax do not cause this kind of headache when getting my reports from them.