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| *Loan,banking and credit>>>credit report |
Why can't I get my credit report? |
I have applied twice for a credit report like the law says I'm entitled to. I received only a long list of questions wanting to know all kinds of things they have no business knowing. I answered all the required questions on the original application. Is this because I always pay cash and don't believe in credit cards or loans? I feel I'm being discriminated against because I take care of my credit appropriatly. Why can't I get the report? You are entitled to a free credit report from each of the "Big 3" credit bureaus annually. Go to http://www.annualcreditreport.com... to get yours. You can get all 3 at once but I'd suggest that you get one every 4 months from a different agency. That way you can check your credit regularly at no cost. Once you log in and provide some basic identifying information they will ask you some questions based upon information in your credit file. These may seem personal and they are -- for a VERY good reason! The reason that they ask you those questions is so that they can verify your identity positively. You wouldn't want someone else who had your name and SSN to illegally access your credit file, would you? If you access the system through the link I gave above it IS totally legit! Don't worry about the personal questions. They are asked for YOUR protection! Don't use ANY other site to access the free report that you are entitled to under Federal law. There are scammers out there who will try and sell you credit monitoring services of dubious value that are nearly impossible to cancel. BTW, if you have never had any type of credit at all at any time it's entirely possible that you don't have a credit file. If that's the case then you'll have to start getting credit and using it responsibly to build your credit file and rating. Start with a low-limit Master Card or Visa through your bank and work up from there. YOU HAVE NO HISTORY--THEREFORE NO REPORT .IF YOU HAVE NEVER HAD A CREDIT CARD,A MORTGAGE,A CAR LOAN OR THE LIKE YOU WILL NEVER HAVE A CREDIT REPORT. YOU ARE NOT BEING DISCRIMANTED AGAINST YOU JUST HAVE NO HISTORY yes you entitled to one free credit report per year! Also any time you have been denied credit. Is it possible you don't have a report becuase you never have established any type of credit? I would contact one of these agiences: Experian Equixfax Trans-Union You can do it on-line, but send a Returned -certified/ letter to them asking for your free report(you can get certified return at post office) Once they recieve your letter I belive they have 30 days to respond! Keep proof of the return reciept that you send along with a copy of your letter, if they do not respond with-in 30 days you can file a complaint with the Federal Credit Agency that governs the companies. trans-union.com, experian.com, equifax.com Did you try getting them online? https://www.annualcreditreport.com/cra/i... is the only place mandated by the government where you can get 1 free copy from each agency per year. Try the link and see if you can get the reports. If you have never used credit cards, never had anything in your name like a cell phone contract, or no loans, then you may not have a credit report. https://www.annualcreditreport.com/cra/i... Why? Maybe because you have no credit history. You want a "credit report" when you have never had any credit. Credit cards and loans are types of credit, if you've never applied or received any, how would you have a credit report? A credit report list your creditors, amount of credit and your ability to make payments on time, which gives you your credit history and determines your credit score. If you paid cash for everything you have, there's no credit to provide a history on. Actually, they do have the right to verify you are who you say you are. It's their business and yours. The questions are identifiers only. And the list is not that long! "I feel I'm being discriminated against because I take care of my credit appropriately;" That can't happen until you actually have credit. No discrimination here. |
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