Why can't I get my credit report?

Question

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?

Additional info: I owned and sold my home this year. I have investments and bank acct. I just don't make credit transactions. I'm one of those crazy people who walks into the car dealer and gets a discount with a cash offer. Everything I do is in my name and I don't want credit, just want to see how they rate me since it is my right. Curiosity killed the cat and I'm not giving them my life history.

Answer 1

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.

Answer 2

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.

Answer 3

You applied for a loan recently and now they informed you that your application got denied! Of course, you want to know why. Well, the answer may be in a three digit number known as the credit score. The higher the number the more favorable creditors view you. Or, in other words, the lower the number the more difficult it will be for you to qualify for loans, credit cards, or any other credit you may need. And even if you qualify, the interest rate they charge you will be higher with a lower credit score. If you do get denied, or the interest rate they charge you is much higher than you anticipated, you should check to see if your credit report is the source of the problem.

In essence, your credit score reflects the data in your credit report. And the Fair Credit Reporting Act dictates that any organization that turns down your application for credit, employment or insurance, has to provide you with your credit report as long as you request it within 60 days of being notified of the rejection.

There are three nationwide consumer reporting companies (Equifax, Experian and TransUnion) that compile credit reports. You can purchase a copy of your credit report from any of these three agencies, or from other companies that offer credit reports as part of a larger package. You should not pay more than $15 for your report. Read more from: http://www.credit-card-gallery.com/free_credit_report_no_credit_card.html

Answer 4

Did you try getting them online?
https://www.annualcreditreport.com/cra/index.jsp 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.

Answer 5

Business credit reports will cost you. Try Dun and Bradstreet for starters.

Answer 6

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.

Answer 7

Maybe you can try below website to get the information you need. It's about free credit report articles for your second opinion.

Answer 8

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

Answer 9

Thats the official federal website for free credit reports:

http://official.fastfreecreditreports.com

That is exactly what you are looking for!