Comments on: What does it mean when a credit card company can’t retrieve my credit report?

By: Sarah K

Sarah K — Sun, 30 Nov 2008 02:22:38 +0000

Ask what report they based their decision on and order a free copy of it because you were declined for credit.

By: Michael L

Michael L — Thu, 27 Nov 2008 18:32:45 +0000

This happens when somebody enters the wrong social security number.

By: dragonfire

dragonfire — Wed, 26 Nov 2008 11:22:54 +0000

did you put a credit freeze on any one of the 3 credit reporting bureaus?
if so then that’s why they could not pull a report. you have to unfreeze it
also don’t assume becuase you paid one of the 3 for your fico score that it IS your fico score, you be sorry and dissaponted to learn that the fico score is higher than what the creditors will rate it at, much higher, so don’t assume you actually know your score, when and if you ever apply for a house loan there is where the true number comes in, and you genrally a get a 20 to 30 point spread between agencies ( to the bank )

By: spiritwalker

spiritwalker — Sat, 22 Nov 2008 23:54:28 +0000

relax you may have made an error on the application. Fill out another one and send it in again. I had one who put the wrong SS# on it, Well guess what, no credit report could be obtained. Yet they had great credit.

By: Lisa A

Lisa A — Thu, 20 Nov 2008 01:10:37 +0000

You probably gave them a wrong social security number.

By: Akbar B

Akbar B — Sun, 16 Nov 2008 17:29:29 +0000

Write to the first company offering to provide a copy of your report and asking why they could not find it. It puts the ball in their court and they have to reply to that.