topic Is "no credit file found" the same as "no credit history"? in Rebuilding Your Credit

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

Anonymous — Sat, 05 Oct 2013 22:09:23 GMT

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".

Anonymous — Sun, 06 Oct 2013 21:48:17 GMT

In this instance, yes. You have no FICO score.

Anonymous — Sun, 06 Oct 2013 21:57:17 GMT

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.