prisoner of my own mistakes

[llecs]

It doesn't sound like a secured card, unless you had pledged $1500 to a secured acct. like a CD or savings. It could have been a counter-offer to a different product.

[Anonymous]

What the heck happened?!? I went to purchase all 3 reports today and at the and I got a message that said:

" We regret that we are unable to fulfill your order for FICO® Standard - Equifax (Score Power®) because your credit report does not currently contain enough information to meet the minimum scoring criteria required to calculate a FICO® score. In order for a FICO® score to be calculated, a report must contain: at least one account which has been open for six months or more, at least one account that has been updated in the past six months, and no indication of deceased on the credit report. You have not been charged for this product. For additional information regarding why this order failed, please click here or contact myFICO® Customer Support at 1-800-319-4433. Please try to get your FICO® Standard - Equifax (Score Power®) at a later time. Use the same voucher, , and follow the same instructions to get your remaining reports.

We regret that we are unable to fulfill your order for FICO® Standard - Experian because your credit report does not currently contain enough information to meet the minimum scoring criteria required to calculate a FICO® score. In order for a FICO® score to be calculated, a report must contain: at least one account which has been open for six months or more, at least one account that has been updated in the past six months, and no indication of deceased on the credit report. You have not been charged for this product. For additional information regarding why this order failed, please click here or contact myFICO® Customer Support at 1-800-319-4433. Please try to get your FICO® Standard - Experian at a later time. Use the same voucher, , and follow the same instructions to get your remaining reports.

We regret that we are unable to fulfill your order for FICO® Standard - TransUnion because your credit report does not currently contain enough information to meet the minimum scoring criteria required to calculate a FICO® score. In order for a FICO® score to be calculated, a report must contain: at least one account which has been open for six months or more, at least one account that has been updated in the past six months, and no indication of deceased on the credit report. You have not been charged for this product. For additional information regarding why this order failed, please click here or contact myFICO® Customer Support at 1-800-319-4433. Please try to get your FICO® Standard - TransUnion at a later time. Use the same voucher, , and follow the same instructions to get your remaining reports. "

Am I going to get charged anyways??

[Anonymous]

You shouldn't be charged. Call CS and make sure.

[Anonymous]

I'm so upset.

I got charged $36 and got nothing. Now they are telling me that the money will be put back on my card within the next statement. Furthermore they referred me to www.annualcreditreport.com.

Can anyone shed some light on what's going on?

[llecs]

You can get free CRs once a year from the aforementioned link. Maybe too you can try TC. They use a different formula. They are not FICO scores and shouldn't be used as a replacement, but you'd get ballpark scores. However, you don't want to lose more $$$. If you got offered a CC before of $1500, you can't be that bad off, history-wise. You won't know what's going on until you see a report.

[Anonymous]

Ok, I can take a look at truecredit.com, but won't that lower my score? What else do I have to be concerned about?

I'm even more discouraged right now.

[MidnightVoice]

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lessinlearned wrote:
Ok, I can take a look at truecredit.com, but won't that lower my score? What else do I have to be concerned about?

I'm even more discouraged right now.

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pulling your own credut report does not affect your score.  It is not an inq.

[Anonymous]

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@llecs wrote:

You can get free CRs once a year from the aforementioned link. Maybe too you can try TC. They use a different formula. They are not FICO scores and shouldn't be used as a replacement, but you'd get ballpark scores. However, you don't want to lose more $$$. If you got offered a CC before of $1500, you can't be that bad off, history-wise. You won't know what's going on until you see a report.

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I dont mind spending a bit of money if I'm getting good information, should I go to TC? Or should I go somewhere else?

I'm really taking all the advice here into serious consideration, thank you for the help so far.

[llecs]

Even though its not the real thing, I like TC. However, like on MyFico, you could run into the same error message. At least you can see all three reports in a side-by-side comparison.

[Anonymous]

I like TC as well. I use it almost daily and then pull MyFICO scores as I want to see them.