Credit Cards Center Credit cards from our partners
New Visitor
Posts: 1
Registered: ‎04-19-2017

Lender can't pull one of our credit reports, but the credit agency says there isn't any problems?

Hello, I need some advice. We're in the middle of the mortgage process and we were just informed that our lender (bank) can't pull one of our credit reports from Equifax. They said it was because of a security freeze. We've never initiated a security freeze, but we figured we'd check. I called the credit agency and they state there is no freeze or any visible reason why the report can't be pulled. We are also able to pull the report ourselves from the annualcreditreport website with no issues. Does anyone have advice on how to deal with this situation? Things to try? Ways to get the lender the report? It's very frustrating and we're worried about getting the application approved in our tight time frame.


Any help would be appreciated!

Valued Member
Posts: 38
Registered: ‎03-30-2015

Re: Lender can't pull one of our credit reports, but the credit agency says there isn't any problems

Maybe there is a glitch in the lender's system? Maybe they forgot to pay their bill this month. Smiley LOL

Regular Contributor
Posts: 208
Registered: ‎07-01-2014

Re: Lender can't pull one of our credit reports, but the credit agency says there isn't any problems

This happened to me too. Everyone said there wasn't a problem. They tried to blame it on the lender. It's because my file was too large. It was very difficult to get equifax to fix it. You have to escalate it and hope you find someone who can figure it out. Good luck.

Discharged Ch.13 6/24/15
Scores on discharge EQ669 TU650 EX654
current scores EQ776 TU775 EX758
WF $2500 WF $3000 Discover $6000 Target $1200 Amazon $5000 Jcrew $5250 Lowes $8300 Tjmaxx $5000 Cap1 $14750 venture $25500 jetBlue $21000 pier1 $5000 Amex $10000x2 AMEX $21,000 BoA$8000 CitiDC$8000

Regular Contributor
Posts: 230
Registered: ‎12-20-2016

Re: Lender can't pull one of our credit reports, but the credit agency says there isn't any problems

What program? Conventional guidelines will take it as long as you have two scores and the lower score is 620. FHA/VA in investors will take it, but will have to use the lower number.

Mortgage Loan Officer in the Greater Chicago area and in 46 different states.
New Contributor
Posts: 68
Registered: ‎01-16-2013

Re: Lender can't pull one of our credit reports, but the credit agency says there isn't any problems

Wow we are going through the same thing with Equifax. NFCU can not get equifax report or score on my wife. Myself is fine all three scores my wife all but Equifax. We have been on the phone for days with these people and they are clueless. I know there is something wrong because my wife can not lock or unlock her report or file online disputes on but I can no problem on my account. Also all credit monitoring we have through sites like credit check total have emailed us saying equifax will not let them monitor the reports so something is up.


Im going to lose getting our second home becasue of this. We have no freeze or locks on our report. They tell us there is nothing wrong but Navy has pulled 3 times and still cant get my wife equifax report to pull. Good luck getting anyone who speaks english or knows what they are doing at equifax to help.

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.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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.