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So I been trying to help the wifey pull her free credit reports. So we can gauge where she as at on this climb to the top. When I go and enter the info that is stated on her SS card it come back saying a credit file could not be found. Does that mean she has 0 credit? or is there something else?
Does she have any accounts that have been reported to any CRA?
If so, has it been at least 6 months since first reported?