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Cannot get a free CR online

Date: Sun, 12/09/2007 - 14:34

Submitted by unclewulf
on Sun, 12/09/2007 - 14:34

Posts: 3172 Credits: [Donate]

Total Replies: 13


I went through annualcreditreport.com to pull up my reports today, because I'm planning to apply for a loan next week. Seems like a simple task, right?

So far, Equifax says they can't provide the report online 'for my protection'. OK... I don't have a fraud alert or security freeze on my file to my knowledge. On to the next likely source, TransUnion. TU wants me to confirm my identity using address history, account numbers, and SS number. The last two, no sweat, but for my address history they list three possible addresses, and I've never lived at any of them! Anybody know how to get ahold of a real, live human at TU, rather than that automated phone nightmare they use?


Well first of all unc, did TU also give u the option of saying none of the above in ur address history? If so, try that. I can't remember which one but when i pulled my report in April i had to call one of the bureaus and they asked a few questions then ok'ed it for me to see it online. Usually they'll give u a phone number to call cust service.
Now about Exp. u need to update ur personal information and use ur current employer.
Hopefully that will take care of that!
:D
Let me know if u have any other questions,
Ang


lrhall41

Submitted by Ang on Mon, 12/10/2007 - 04:49

( Posts: 2306 | Credits: )


Ok you will not be able to get reports online due to a address conflict. Send them a letter with a copy of driver's license,social security card,and a utility bill for proof of residence and tell them to mail you your free annual report. In your letter also tell them to update your profile with the provided info so you can access them online.


lrhall41

Submitted by cajunbulldog on Mon, 12/10/2007 - 07:54

( Posts: 4850 | Credits: )


The addresses usually are crazy.

I had an address in Cleveland Ohio listed for one of my previous addresses. I've never lived in Cleveland. I had to whine and argue to get that taken off.

The information provider usually isn't listed on there...At least in my experience. I had to drag it out of Experian during one of my b*tch fits. :)


lrhall41

Submitted by Jessi on Mon, 12/10/2007 - 16:35

( Posts: 3361 | Credits: )


[quote=cajunbulldog]Ok you will not be able to get reports online due to a address conflict. Send them a letter with a copy of driver's license,social security card,and a utility bill for proof of residence and tell them to mail you your free annual report. In your letter also tell them to update your profile with the provided info so you can access them online.[/quote]


Looks like I have two out of three seeing things my way at present. I'll tackle Equifax in a day or so, when I feel more up to it. Hopefully, I can just deal with it online.

I wouldn't mind mailing documents, but it's not really practical for me. SS card I gots, but my lease and utilities are in the ol' Lady's name. And my DL has an address that's two generations obsolete. My town has been making all kinds of changes in order to upgrade our 911 phone system. Street names, numbering schemes, etc., have all been changing. Vermont DMV has advised me to wait until the changes are official before getting a new license, rather than spending $20 every time it changes. Thay say they'll be able to find me regardless, as the changes carry over to their systems. For the record, I've had four addresses in two years. Without moving.


lrhall41

Submitted by unclewulf on Mon, 12/10/2007 - 16:50

( Posts: 3172 | Credits: )


[quote=Jessi]I had an address in Cleveland Ohio listed for one of my previous addresses. I've never lived in Cleveland. I had to whine and argue to get that taken off.[/quote]

I'll argue as much as required, but I whine to no damn body. 8)


[quote=Jessi]The information provider usually isn't listed on there...At least in my experience. I had to drag it out of Experian during one of my b*tch fits.[/quote]


**** fits!?!???

[color=Red]****Adult term removed - Jason[/color]


lrhall41

Submitted by unclewulf on Mon, 12/10/2007 - 16:58

( Posts: 3172 | Credits: )