Why is it so hard to get your credit report?

[Argo]

It's my 3rd attempt, and there is always something that they aren't happy about. They always want some extra information. It's either send them a copy of my drivers license, or my last paycheck or both. Why can't I just fill in my information online, and have the report delivered to me???

 

[tontod]

For $12.95, you can get it online here:

 

[Argo]

I'm pretty sure they'll ask for something else again. And the funny thing is I can't send them a copy of my drivers license cuz it still has my parents address on it, wherein I've had my own place for a while now, and I used this address for all my credit transactions.

 

[tontod]

They didnt ask me for copies of anything. You enter in all your info online, then it verifies you, then you're on your way.

 

[FelixDeCat]

cuz it still has my parents address on it, wherein I've had my own place for a while now, and I used this address for all my credit transactions.

Perhaps that is causing them to be suspicious of you. Explain this in writing and see where you get.

 

[RossMAN]

It sounds like either they have an incomplete credit profile for you which is missing some information --or-- the information you are providing does not match up with the credit bureau's information. Just like salary, credit is a very personal topic (yet people create credit threads here all the time, hehe) so they want to ensure that you are who you say you are. I have never had any problems ordering my credit, nor has my sister or my friends. I say follow through with their requests, keep a record of all the letters, calls, e-mails and faxes to the credit bureau agencies so you have a papertrail and HOPE that eventually they get their act together.

 

[Argo]

Wow, this actually worked. Thanks man!!!

 

[FelixDeCat]

Your welcome!

 

[Argo]

Great information, exactly what I needed. Now I know what I have to do Lol.