I've had one Capital One card for seven months now, which should be enough to generate a report with three major bureaus. However, when applying for other cards, I'm still asked to verify my address--isn't it supposed to be on my credit report? Part of the confusion is that I receive mail at a PO Box address, and I think Capital One might be reporting the PO Box address. (For example, I need to use my PO box ZIP code for verifying the card, not my street address ZIP code.) How many trade lines will I need/for how long before this becomes more reliable? It's mainly frustrating because verification is complicated for me (I live in a dorm, so no signed lease, utilities or mortgage) and I've been unable to get my free credit reports online. When I tried to get my Experian report, there was one question about my phone number, and two questions about people I've lived with, but I'd never lived with any of them. I even called Experian and had the automated system tell me I would get a report, but I never received anything.
