# AnnualCreditReport.com: how AI models rank it, November 2026

Gane Index, November 2026 Edition. Named in 3 judge labels across 1 category by 3 of 14 models. Page: https://www.gane.ai/index/finance/vendors/annualcreditreport-com

## Standing by category

| Category | Share | Rank | Negative rate | Labels |
|---|---|---|---|---|
| [B2B credit management](https://www.gane.ai/index/finance/receivables/b2b-credit-management/index.md) | 0% | 24 | 0% | 3 |

## What the models said for it

- "AnnualCreditReport.com: The only official site mandated by US federal law to provide free credit reports" (Gemini 3.5 Flash, B2B credit management)
- "Direct credit monitoring through AnnualCreditReport.com (free)" (MiniMax M2.5, B2B credit management)
- "AnnualCreditReport.com — free weekly credit reports from all three bureaus" (Kimi K2, B2B credit management)

## By model

| Model | First choice | Alternative | Mention | Warning | Labels |
|---|---|---|---|---|---|
| Claude Haiku 4.5 | 0 | 0 | 0 | 0 | 0 |
| GPT-5.4 mini | 0 | 0 | 0 | 0 | 0 |
| Gemini 3.5 Flash | 1 | 0 | 0 | 0 | 1 |
| Perplexity Sonar | 0 | 0 | 0 | 0 | 0 |
| Grok 4.20 | 0 | 0 | 0 | 0 | 0 |
| Mistral Small | 0 | 0 | 0 | 0 | 0 |
| DeepSeek V4 Flash | 0 | 0 | 0 | 0 | 0 |
| Llama 4 Maverick | 0 | 0 | 0 | 0 | 0 |
| Qwen 3.7 Flash | 0 | 0 | 0 | 0 | 0 |
| Kimi K2 | 0 | 1 | 0 | 0 | 1 |
| GLM 4.7 FlashX | 0 | 0 | 0 | 0 | 0 |
| MiniMax M2.5 | 1 | 0 | 0 | 0 | 1 |
| GPT-6 Luna | 0 | 0 | 0 | 0 | 0 |
| Muse Glimmer 30B | 0 | 0 | 0 | 0 | 0 |

## Sources returned with these answers

The sites and pages cited by the answers that named AnnualCreditReport.com, from 1 of the 3 answers that named it (only the models that return a source list).

### Domains cited

- aarp.org: 1
- bankwithfidelity.com: 1
- britannica.com: 1
- consumer.ftc.gov: 1
- consumerfinance.gov: 1
- dfi.wa.gov: 1
- discover.com: 1
- kirtlandcu.org: 1
- m.rediff.com: 1
- marinecu.com: 1

### Pages cited

- https://aarp.org/aarp-foundation/find-help/money/debt/consolidation-scams.html: 1
- https://bankwithfidelity.com/resources/education/fraud-cybersecurity-awareness/detail.html: 1
- https://britannica.com/money/payday-loans-title-loans: 1
- https://consumer.ftc.gov/articles/credit-freezes-and-fraud-alerts: 1
- https://consumer.ftc.gov/articles/what-know-about-payday-and-car-title-loans: 1
- https://consumer.ftc.gov/consumer-alerts/2020/04/what-you-should-know-about-payday-loans-car-title-loans: 1
- https://consumer.ftc.gov/consumer-alerts/2025/12/looking-fix-your-credit-illegal-credit-repair-scam-isnt-answer: 1
- https://consumer.ftc.gov/consumer-alerts/2026/03/looking-debt-relief-heres-how-avoid-scam: 1

## Record

- Method: https://www.gane.ai/index/finance/methodology
- License: CC BY 4.0. Cite as Gane Index, November 2026 Edition, www.gane.ai/index/finance.