I tried to purchase the CreditWatch. I tried to pay 2 times using credit card, but it said some error occured. But when I checked at my credit card account online it shows 2 pending transactions. So why didn't it let me in? I am just new to US (2 months), and just started using a credit card. Does this matter? How much minimum time is needed for any one to have a credit report. I tried to get my credit report from EQ, but they say they couldn't find it...