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So I called them earlier today and it turns out that my phone number was entered instead of the SS number. So when they typed it in, they weren't able to pull my fico score. I have NO idea how that happened, but at least there isn't anything fishy going on with my reports.
Thanks for the brainstorming, though. I now have other info to think about to beef up my score in the future.
@lavinder11, glad to hear tht puzzle has been put together.