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annualcreditreport.com, Prosper and Experian error- found reason

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missmama
Contributor

annualcreditreport.com, Prosper and Experian error- found reason

Before I sign up over there, can someone tell me what I can do? Can I print the report for all 3 for free? I seem to remember trying years ago and couldnt get it to print... 

 

I have no idea what is on there these days... last I knew my FICO was 646 April 13th... but lates might be showing now Smiley Sad  I know I can't get the FICO from these reports, but still want to see them.

 

Thanks!!

 

I edit to add- when I tried to pull my EXP report, I got an error and a mail in form. I then tried to login and use a 7day trail for Credit Monitoring with them, got through sign up, then same error (card has not been debited and trail extended to 30 days) ?? huh?? so I called the number for the Credit Monitoring 877 284-7942,  I was in total shock that the rep UNDERSTOOD my problem and knew right away I needed to verify my identity- that is why it wouldn't work. She said she could ask me a few identifying ?'s (just like the other online reports do) and then release the file. YAY! Then after a hold, she told me she HAD to snail me the access code to the address I signed up with.  The problem was I moved 3 years ago and EXP never was reported the new address, that put my file access as locked. She couldn't do it over the phone, I have to wait for the mail. Happy to have answer, not happy waiting. Just thought I would let you guys all know too.

 

ALSO- this explains why when I went to Prosper.com, it gave me an error when trying to get my score. "Experian reported an error retrieving your credit score. For security reasons, you cannot proceed to create a listing without a valid credit score. Please contact customer service"

 

So I googled that and found out others got that and thought they were bad score under 640.. but it isn't that, it's an EXP problem releasing the report. Just sharing info Smiley Happy

Message 1 of 4
3 REPLIES 3
myjourney
Super Contributor

Re: how to use annualcreditreport.com

I have never had a print problem and yes it's free if you haven't had one this year

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 4
missmama
Contributor

Re: how to use annualcreditreport.com

thanks!

Message 3 of 4
missmama
Contributor

Re: how to use annualcreditreport.com

fyi edited OP with good info on Experian pull

Message 4 of 4
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