Listeners who have frozen their credit often ask us if that will affect their ability to access their credit report. TransUnion and Experian say you won't have trouble doing so. Equifax, however, says you will need to provide additional when i checked my credit report and score at annualcreditreport.com and myfico.com, i was not happy with what i found. first let me say that there are three companies that generate credit reports, and each company comes up with its own Credit Reports bankbank.com Arr credit reports availablr to thosr who havr ar credit freeze? Home