cancel
Showing results for 
Search instead for 
Did you mean: 

Is "no credit file found" the same as "no credit history"?

tag
FixMyCredit1992
Established Contributor

Is "no credit file found" the same as "no credit history"?

If one has no history of credit on their account, would it generate a report.

 

Only thing on my CR's are charge offs from utility companies, I got this in the mail today, a denial letter from a CCC.

 

"Using the Name, Adress, Date of Birth, and Social Security Number you provided us, we were unable to locate your credit report".

 

 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 1 of 3
2 REPLIES 2
guiness56
Epic Contributor

Re: Is "no credit file found" the same as "no credit history"?

Message 2 of 3
FixMyCredit1992
Established Contributor

Re: Is "no credit file found" the same as "no credit history"?

When I got hired on at sears, they make all employees sign up for a sears card (a forced hard inquiry, but I did not argue because I needed the job).

 

When they typed in my SSN, it pre-filled info for the application.

 

My DOB was listed as 4/20/1981, 10 years older than I really am.

 

Reason is, when I was 16, I lied about my age in order to obtain credit. ( I think it was a capital one preaproval I got in the mail)

 

I put 4/20/1981 as the DOB.

 

So...

 

1. Is it possible (at all) to have two credit reports?

 

2. Why would the sears CC app prefill the wrong date of birth?

 

Two of my CB's reports say "on credit report files since 2007", but I was 15 in 2007.

 

 

Farm and Fleet $3,000 (AU) Paypal Extras MC $1,500
Barclay's Apple Visa $1,200 QVC Qcard $800
Amazon Store Card $600 Discover $500
Walmart MC $400 Victoria's Secret $350
Credit One $300 Fingerhut $200
TU Fico 626



Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.