Reply
Member
sunday
Posts: 12
Registered: ‎02-17-2012
0

Free Online Credit Report - Denied Viewing

Hello everyone :smileyhappy:

 

I have a question...I was just compiling the necessary information to give my lawyer to file my BK this past week, and one of the items needed was my credit report. I normally go to annualcreditreport.com each year to pull it up and hadn't this year since I already knew what was on it (major ouch!), but was glad I hadn't since I needed it.

 

Anyway, I put in all of my necessary info to pull up the reports from the three credit bureaus, but all of them said I needed to either call or mail a form in and my reports were unavailable online. I have never had this happen before, and all of my information was no different from what I entered last year so there should be no denial of information.

 

Has anyone had this happen before?

Is it possible someone "stole" my free credit report sometime earlier this year to view it before I did?

 

Sorry, this is just so confusing.

 

Thankfully my lawyer was fine with using the report I still had saved to my computer from last year. I was eager for that sense of relief I've been reading about, but now I'm worried about what else could be wrong. :smileysad:

 

Thanks for your help everyone.

Valued Contributor
Gunnar419
Posts: 1,236
Registered: ‎01-23-2013
0

Re: Free Online Credit Report - Denied Viewing

All three of them? Never had that happen.

 

I have had problems getting one, most recently with Experian, and it's usually turned out to be for some reason like I used my street address and they have my PO box as my main addy or something like that. Never all three. The good news, if there is any, is that it doesn't sound as if anybody "stole" your free reports because in that case they wouldn't tell you to call or write. They'd tell you you'd already gotten your report. I'd go ahead and call. It's probably going to be some minor conflict or question they need to resolve to prove that you are you.

 


 

 

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Free Online Credit Report - Denied Viewing

OP, did you place a FA on there, or did you dispute anything since pulling your last reports as "not mine"?

Member
sunday
Posts: 12
Registered: ‎02-17-2012
0

Re: Free Online Credit Report - Denied Viewing

Thanks for the replies!

 

llecs, I've placed a FA on it before, but that was more than a year ago and prior to requesting my last credit report that I was able to receive with no problem. I've never disputed anything directly with the credit bureaus either, just between an individual CC account and a debt consolidation service.

Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: Free Online Credit Report - Denied Viewing

I'd try to pull from different sources to see if you are successful or not. Maybe a question was incorrectly answered. That would prevent additional pulls. If still no luck, I'd call them.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}