Empty Credit Report?

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Ikarus
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Empty Credit Report?

Postby Ikarus » Fri Dec 20, 2013 3:58 am

Last week, my elderly aunt had me go over her finances. This first thing I did was sit with her and pull her credit report from AnnualCreditReport.com.

TransUnion asked questions that she knew the answers to, but her credit report pulled up blank and empty.

Equifax then asked a series of questions about a car loan and all 5 questions had answers my aunt did not recognize. A message appeared saying the report could not be provided online and had to be requested through the mail.

Typically, 5 of 6 questions have recognizable answers. Because none of the questions were about a recognizable account, could this be an indication of fraud?

Experian did not provide any questions and immediately refused to offer the report online. They required a mail request, as well.

My aunt has been retired for about 5 years now, but said she still receives phone calls from a collector or two. Wouldn't her address -- at the very least -- and any debt show on her credit report?

She has had bad credit in the past from an old credit card that she never paid off.

I find it odd that her report is blank.

A few years ago, she said she tried to get cable with Comcast, but they refused her and she had to get it in her husband's name instead, which worked.

What is the best way to locate her true credit history -- myFICO?

And what is the best way rehabilitate her credit?
Merrick Bank (Hooters) 4100
Cap One Quicksilver 4800
Discover it 2500
Citi Forward 8000
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 7000
Cap One Visa Platinum 750 (CLOSED)


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bisbicos
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Postby bisbicos » Fri Dec 20, 2013 7:10 am

Yes I would recommend myfico over any other credit reporting website
Credit Cards
American Express: Fidelity Rewards (2% cash back) 9.5k
Zync NPSL
Discover: Discover More (5% rotating categories) 12k
Mastercard: Chase Freedom (5% rotating categories) 4.6k
Visa: Citi Forward (5x pts on restaurants) 15.7k
Citi Dividend (5% rotating categories) 5.6
Capital One Journey (1.25% cash back) 1.25k
BofA AAA (5% on gas) 2.5k
PenFed Platinum Rewards (5% on gas 3% groceries) 7.5k

Future Cards
US Bank Cash +
Chase Ink

takeshi
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Postby takeshi » Fri Dec 20, 2013 8:05 am

Ikarus wrote:What is the best way to locate her true credit history -- myFICO?

CRA's will have her "true credit history". FICO scores based on whatever is on her credit reports.

MemberSince99
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Postby MemberSince99 » Fri Dec 20, 2013 8:44 am

And while you are there on myFICO if you get them there, be sure to check out the "garden" threads.

Ikarus
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Postby Ikarus » Fri Dec 20, 2013 9:25 am

takeshi wrote:CRA's will have her "true credit history". FICO scores based on whatever is on her credit reports.


Why won't the CRA's provide the information? Just seems odd.

Also, does the Equifax scneario sound like potential id theft?
Merrick Bank (Hooters) 4100
Cap One Quicksilver 4800
Discover it 2500
Citi Forward 8000
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 7000
Cap One Visa Platinum 750 (CLOSED)

Obi-dan
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Postby Obi-dan » Fri Dec 20, 2013 11:56 am

I would get on the phone with the three CRAs or find a non-profit in your area that provides financial counseling and see if they can pull reports (many can do soft pulls for non-profit educational purposes).

If you call the CRAs she will need to be on phone with you.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)



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