I just visited www.annualcreditreport.com to get my report from all three companies. you're allowed one from each every 12 months. a couple of strange findings. the first report i tried to download was from Equifax. to my surprise, they had NOTHING on me. no record of anything whatsoever. i tried clicking on the links hoping it would take me somewhere that resembled some type of credit history.....NOTHING! now i'm freaking out a bit. went back and requested my report from Experian. I was relieved to see they had my credit history. The only thing is, they don't have my most frequently used account on there...a CC that's got a high limit and low balance. WTF? i think having that would help with my credit score. Where the hell is it? of course, there are a couple of accounts taht aren't on there, that i'm glad about. i just don't know why they're not. then i tried Transunion. lo and behold, they won't give me my report. the page said i need to contact Transunion by phone, whatever that means. anyone have a similiar experience or know what's going on?
Wow, I've never heard of an agency not even having a record on you. You sure the website wasn't experiencing problems or something? As far as the one card not being on there, maybe try calling that company and asking how often they report and to which agency?
this is what i'm looking at right now. the only thing they have is my home address. Account Information You have no Account Information on file. Back to Top Back to Top Mortgage Accounts You have no Mortgage Accounts on file. Back to Top Back to Top Installment Accounts You have no Installment Accounts on file. Back to Top Back to Top Revolving Accounts You have no Revolving Accounts on file. Back to Top Back to Top Other Accounts You have no Other Accounts on file. Back to Top Back to Top Open Accounts You have no Open Accounts on file. Back to Top Back to Top Closed Accounts You have no Closed Accounts on file. Back to Top Back to Top Accounts in Good Standing You have no Accounts in Good Standing on file. Back to Top Back to Top Accounts Currently Past Due You have no Accounts Currently Past Due on file. Back to Top Back to Top Negative Account History You have no Negative Account History on file. Back to Top Back to Top Inquiries in the Last 12 Months You have no Inquiries within the Last 12 Months on file. Back to Top
Hmm... that's infuriating. I tried all three and all three couldn't give me my credit report online? Why the hell not? Granted, I'm 21 and don't have a credit history, good or bad.
