Credit Cards Center Credit cards from our partners
New Visitor
Posts: 1
Registered: ‎10-31-2012

No Equifax Record

Hey folks,


Your help would be greatly appreciated.


I have been living in the US for about 3.5 years after moving from Canada with my my US born wife.


Even though I now have a US issued Amex, Cap One Mastercard and a car loan through VW Credit, I still don't have an Equifax credit file.  I have spent hours upon hours on the phone trying to fix that problem, but to no avail.


No issues with Transunion or Experian.  I also contact each of my credit issuers and they all confirmed transmitting monthly info to Equifax as they similarly send the info to the other credit agencies.


So after 2 years of back and forth...I still can't get an Equifax report.  I have submitted copies of my id's, driver licennse, utility bills, and even letters from my credit card issuers showing my monthly payments over 2 years.   Still they say, they can not verify my identity.



Anyone who can help guide me through this would be appreciated!



Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.