Checking credit reports?

Question

When i check my credit report online it says "we cannot process your request at this time, try again later." It's the second year in a row that this has happened at all 3 credit agencies. Is it because I have no credit history?

Answer 1

What source are you using?  The only web site the FTC recommends is https://www.annualcreditreport.com/cra/i... there is no fee and you can use it once a year.

You should contact the CRA's in writig or call them to get your credit reports.  If there is a problem they can tell you why you are unable to get your reports.  If you placed a "freeze" or a "fraud alert" then you will not be able to get them online.

Equifax-800-685-1111

www.equifax.com

Experian-888-EXPERIAN (888-397-3742)

www.experian.com

TransUnion-800-916-8800

www.transunion.com

Hope this answers your question.

Answer 2

If you have no credit history, that could be the problem.  If you believe you should have some, give one of the reporting agencies a call and ask.  It should also be possible to request your credit report by mail.