Trying to get annual credit report. Annulcreditreport website didn’t work. Called equifax and they say no credit file found for me since my creditors may not be reporting my details to them. Other two credit bureaus have my report. Will this be an issue in future? Should I follow up further? Already have credit cards and loan and other two bureaus have those details
This happened to my gf. Based on that experience, this could run into an issue with certain lenders when buying a house. You might want to loan some money just to establish a file.
Already have a loan and couple of credit cards. Experian and trans union have my credit report
The one thing I’ve found that consistently works in your situation is to not pay them back. They will be sure to report that which means you’ll finally have a credit history.
Does getting free credit report from anuualcreditreport site hurt our credit score? Is it considered hard-pull?
Free credit report is a soft pull from each of the 3 bureaus and does not impact your credit score
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