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Thread: free credit report online isn't pulling up any info

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    God/dess fancygirl's Avatar
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    Default free credit report online isn't pulling up any info

    okay, so I've tried:
    freecreditreport.com
    freecreditprofile.com
    transunion.com

    after I enter in all my info, there's some reason why they can't come up with anything. All my information is correct, but I don't have any credit cards myself (I'm just checking to make sure no identity fraud). So, if no one's commited fraud, would they just tell me "you're not in our systems because no one's ever applied for a credit card under your name" or would it just say it couldn't process me online?

    aargh. I'll be calling them tomorrow but if anyone has gone through anything similar it would help. Thanks!

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    God/dess cinammonkisses's Avatar
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    Default Re: free credit report online isn't pulling up any info

    WEll if you call, you will just get a recording and the recording will just send you a hardcopy. Well since you do not have any credit cards..do you have any form of credit such as cell phone, house, bills, school loans? That should be listed on your report. If not, then you should be fine.







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    Featured Member scorpio's Avatar
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    Default Re: free credit report online isn't pulling up any info

    this is good and bad. good, because no accounts are showing up that you did not sign for. bad, because no accounts are showing up. You have zero credit. This situation gets worse as you are older because no one will want to lend anything to you. you will be known as a "ghost". lenders are scared of adults with no credit because they have no history with you. No credit is almost worse than bad credit. do yourself a favor and get some small accounts that you [ay on time. if you dont start now, you will be in very poor shape later. the reason is that lets say you want to buy a car.? well, with no history of paying on even small accounts-maybe a 1000 credit line, why would a lender give you 20,000 for a car?

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    God/dess fancygirl's Avatar
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    Default Re: free credit report online isn't pulling up any info

    I hate credit cards-- I think they're ruining the U.S. (as if it wasn't already ruined somewhat before : ) So I'm glad to be a "ghost" and hope to continue being one. I want to buy my car and my house flat out (obviously having paid all my taxes so that when it triggers the audit, I won't get into trouble).
    But I do have a cell phone, and I've paid all the time on that. So, who knows? I just don't want to get my credit line stolen when I'm not signing up for any myself.

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    God/dess VenusGoddess's Avatar
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    Default Re: free credit report online isn't pulling up any info

    Credit cards aren't ruining the US...bad government spending is.

    Of course, we have a government who thinks that the sky is the limit...it's no wonder that the people who spend like them have no problem with it.

    BTW...just because you have a credit card doesn't mean that you cannot be responsible for it. Keep one with a low balance and just charge smaller items on it. Pay it off over 2 months...keep doing that for a few months, and you'll have some credit (good) that'll show up on your credit report.

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    Veteran Member luckischalk's Avatar
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    Default Re: free credit report online isn't pulling up any info

    I think the federal government sponsored free credit report (one per year) is www.annualcreditreport.com and I also agree with the others get at least one credit card with a low limit just in case you will ever need to borrow money.

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    Default Re: free credit report online isn't pulling up any info

    yeah, I know the logic of it all--but I just hate credit cards and credit card companies. If I can get away with just doing cash (or cheque) for ever and ever, then that's my goal. I may get a small credit card, but I've just got an extreme distaste for them.

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    Default Re: free credit report online isn't pulling up any info

    i'd use the free annual report that the other poster of this thread referened earlier.

    The other one sounds like "Phishing" for your data, although it is probably

    somebody with a computer tie in to the credit agencies trying to make a quick buck.

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    Senior Member lalalatina's Avatar
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    Default Re: free credit report online isn't pulling up any info

    You can not pay for cars and homes in full with cash without people asking questions. And even if you do pay taxes, are you reporting ALL your earnings (like the CASH) you make?

    I was thinking of doing the same thing until a very smart financial friend told me otherwise. I have 2 credit cards with low spending limits, so I'm able to pay off the balance every month, or 2 months TOPS.
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