So I tried to buy a myFICO score from TransUnion and I got an error message (I can’t remember exactly what it said). I checked my credit card and I was billed for it despite not being able to access it, so I called customer service. They quickly refunded me and told me my TU report was blocked and she suggested the usual reasons (no open accounts, less than six months credit history, etc.), of which none applied to me. I called TU and was told that there was no problem with my credit report, so I tried to buy a report but could not find any way to buy one unless I buy credit monitoring or some other stuff. Is there any other way around this?
I am planning (within six months) on buying a home and really don’t need this now. I know the scores won’t match with lender pulls, but I still wanted to make sure that everything on my report is accurate. Also, I haven’t been able to pull from myannualcreditreport (or whatever it’s called) website either for all three bureaus. I was able to get my Experian report and score from myFICO, no problem there. I also got my Equifax report and FICO from their website, no problem there.
The last TU report I got was 10 months ago, and the only thing I can think of is TU is not updating my credit card, hence it might not be reporting anything at all (only have one open account), although it was up to date 10 month ago. Also, they stopped reporting my student loans before I paid them off, and I called the lender and the lender told me they updated TU, but TU didn’t update. Is it possible to get a mortgage with only two scores? I would hate to do prequalification (if it is a hard pull) now because last time I looked for a credit card (a little over a year ago), my 04 EQ FICO dropped 19 points from two pulls. It’s at 724 EQ right now and would hate to lose those 19 points again before preapproval. I feel like I need lender pulls only when I am ready to buy and not before.
