Hi everyone!
First off, my apologies if this is in the incorrect location. To give you a little background of myself I am 18 years old, 19 in August. I applied for a Discover it Chrome Student Card the day I turned 18 and got approved with a $2,000 SL. I also got Credit Karma to make sure that everything was reporting correctly. I decided to start very early as I wanted to build my credit as soon as possible.
My main question though was that I am at about 10 months of having my credit card and I still cannot find my equifax report anywhere. I have tried calling, was told I didn't have a report under my social. Equifax also doesn't report a score on Credit Karma, and not aware of anywhere else I can get the Equifax report. I tried doing one of my free credit reports for the year with Equifax, and was told to send specific documents in to Equifax. I got a response in about three weeks telling me that they could not pull up a Credit Report for my social. Has anyone else faced this same situation as well? I have called Discover before as well and asked if they are reporting to Equifax and assured me they were, as well as sending a mid-statement report to all the bureaus. It's been quite annoying as I'm not sure if possible card applications are getting declined as Equifax reportedly doesn't have a credit report for me.
Thanks!
@Anonymous wrote:Congrats on starting the credit journey. Coming to the topic in subject, why only Equifax? Discover reports to all 3 bureaus. You should send mails / call TU, EX and EQ to get to know where the problem is. Some lenders pull Transunion and many pull Experian for new credit.
Hey Posiedon, I was referencing only Equifax because I'm able to access my other credit reports, and am able to see those online without having to go through the hassle of calling them. I did try financing an iPhone through Apple and they pulled Equifax and the reason for denial they gave me was that they were not able to access my credit report.
@Anonymous wrote:Seems others also had this problem and in the below thread, some of them got it resolved. May be you want to read through and see if any of it applies to you.
I went ahead and tried checking them out. I saw the TrustedID website, but I could not find a way to sign up for it.