- Centurion Member
- Posts: 146
- Joined: Thu Feb 07, 2013 4:53 am
- Location: USA
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 2800
Discover it 2500
Citi Forward 5400
Chase Freedom 1000
AMEX Blue Cash Everyday 5500
Citi Dividend 5600
Cap One Visa Platinum 750 (CLOSED)