Credit Reports

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?

 

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.

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Mortgage Accounts

You have no Mortgage Accounts on file.

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Installment Accounts

You have no Installment Accounts on file.

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Revolving Accounts

You have no Revolving Accounts on file.

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Other Accounts

You have no Other Accounts on file.

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Open Accounts

You have no Open Accounts on file.

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Closed Accounts

You have no Closed Accounts on file.

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Accounts in Good Standing

You have no Accounts in Good Standing on file.

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Accounts Currently Past Due

You have no Accounts Currently Past Due on file.

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Negative Account History

You have no Negative Account History on file.

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Inquiries in the Last 12 Months

You have no Inquiries within the Last 12 Months on file.

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