Question:

Credit report not able to confirm my identity?

by  |  earlier

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Im trying to check my credit score at annualcreditreport, and it says this for all three. Has my identity been stolen? I have somewhat limited credit history. I have had a card for 2 months now. I should still be able to check my score though, right?

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4 ANSWERS


  1. For some reason, you cannot access your credit report online. It could be an error in an address or social security number, or it could be that someone else accessed it as you at some point. It's hard to say; there are dozens of reasons for the difficulty. The credit reporting bureaus  (or the site you used) should give you detailed instructions on how to obtain hard copies of your credit reports by submitting specific documentation and proof of identity. Get one from all three bureaus.


  2. creditrepairuniverse.net

    repair and/or build your credit

    they do that a lot it probably means you have an old address on file, call them they will confirm over phone. then when you see your file for all 3 you can see if your identity has been stolen.

  3. It can ask if your identity has ever been stolen, and you just answer no. You can then continue with the request for the credit report.

  4. If you've only had a card for two months, you don't have a credit file yet.  Follow the instructions to mail a request to get your report from all three credit bureaus.  Although it might be a good idea to wait a couple months before requesting your credit report.  

    Have you even used that new card?  You have to have some actual history reported before there's anything to put on a report.

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