Okay, I know about annualcreditreports.com and all, but I'm having a little trouble here. I tried using both TransUnion and Experian today for my free report, but so far neither of them are giving up the goods. I'm just concerned because Experian said I may have taken out a loan in 2007--something I can most emphatically deny. Yet when I ask them for my report, they say that they can't display it. Is this from a lack of a credit card/(known) loans/etc? I certainly don't have a big record, but I want to see if anyone's been parading around in my name. So, should the potential loan thing bother me?
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