when i was asking for my annual credit report in equifax they told me that they already found my file and it ask me about a mortgage loan that i had in 2006… thats when I couldnt believe because I havent ask for any loan, even worse i havent been able to get any credit anywhere so what can i do to know whats happening or what to do to fix this???? someone help me with this please. im 27 and im thinking someone has ruined my credit.
My wife hasn’t worked since 2002 and hasn’t applied for any type of credit since then also. She tried to pull up her free annual credit report tonight and it said that she had to mail in a form as apposed to getting it online because of a security freeze on her report.
My question is why would she have a security freeze on her report? All utilities are in my name. Does this sound like a serious issue?
We will be mailing the form tomorrow.
Several years ago I had credit monitoring with TransUnion and the credit report you pulled never listed the soft inquiries. In order to see the soft inquiries online, you had to pull what they called a free “dispute report.” I did this about 6 times over a one year period and all of s sudden they blocked me out of receiving any TU services — with the exception of TrueCredit — online. Even when I request my free annual credit report, TU will not give it to me online and instead makes me either write in or call.
Lately I wanted to place a security freeze on my TU file, and I cannot even use their online tool to do that.
Every time I call they say they are having technical problems, but I don’t buy that load of crap.
Has anybody ever had any experience like that?
A bit of clarification please. I’ve looked all over and can’t get a clear-cut explaination of what I’m searching for so maybe you guys can help.
I have purchased the two reports from here on myfico and looked them over and these are what I’m using as my credit report.
I tried to get the free one but EQ and EX said I already got one this year for free and I could call and get a new one, but isn’t this what the one on myfico.com gives you? I mean to say, the purchase I made on this website for 15 bucks a pop is the actual, real, valid credit report, correct?
And the monthly myfico watch thing, that’s really my true no joke FICO score it’s showing me? So these automatic updates/changes I’m receiving are the legitimate changes in my FICO score? When I DO in fact get something succesfully removed and my FICO moves up, I still have to pay again to see the new report itself, right?
Thanks guys, sorry for such a stupid question, just wanted to make sure I was using the right tools.
I just pulled my 3 reports today from the Annual Credit Report website – the TU and EX reports looked fine, but my EQ report showed that I had ZERO inquries in the last 2 years. I know that I’ve had 8 EQ inquiries in the past 2 years, and these have been on previous reports that I’ve pulled. Also under the Account Age section, it lists my average account age as ZERO, even though it’s somewhere between 2 and 3 years. My file is managed by CSC Credit Services, so I’m wondering if the information didn’t pull completely from their system to EQ’s. Anybody else have this problem? I guess losing the inquiries would help, but I’m thinking that a report showing zero account age can’t be helping any…