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| *Ostroff, Fair and Company>>>Credit |
Free credit report???Cant get one?Why?? |
I am trying to get a copy of my credit report from transunion threw annualcreditreport and it keeps saying...... your credit report indicates that additional precautions must be taken beofre we can grant access to your credit report.....I did have a fraud alert on it like 7 years ago, but I have applied for credit over the phone and people have gotten my info without a phone call to verify I wanted it done. How can I get the report online, If I use their pay monthly service to view it, will it let me then??? My brother which has never had anything on his report for an alert also tried it here and it states the same thing??Any info??Thanks!! If you put an alert on the report, and it is still there, that is why. Most large companies have accounts set up with direct access. When I worked at BofA in the credit card department, we went to the machine, typed in a few pieces of info and rec'd the report. If there was a fraud alert, we confirmed that the app address, phone, name matched the credit report. You are an individual trying to do this online. Call the toll free number and they will tell you exactly what to do. Actually, this is a good thing, it shows that someone trying to steal your identity is out of luck. That's a standard with these credit agencies. Before I stumbled upon annualcreditreport.com http://www.annualcreditreport.com... , I typically order my credit reports straight from the credit bureaus. The first time I used Experian, the form told me that they need to verify my identity by answering additional questions on where I have a mortgage -- when at that time I never had a mortgage. Even with AnnualCreditReport, each credit agency uses this tactic to verify the identity. Just answer the question and if you give the correct answer your credit report will be shown to you next It can be something very simply like... the address they have is not your current one.... just call the number and verify the info and you should be able to...... even if you pay.....if one thing that you input as your info does not match what they have..... it will deny you. access....... try the other reporting agencies.......i got the others, but also had trouble with transunion because they had the wrong address..... HTHs!!! with identity theft so rampant today, the credit bureaus are trying to protect you by making sure that the person asking to look at your credit report is actually you. They typically will ask a question that only you know (not something someone could find out over the internet, like your mother's maiden name or your current address). When I tried to access mine, it asked me what the amount of my monthly mortgage payment was, and gave me 4 options to choose from. If you know the correct answer, you get to see your file. You can print out the request and send it in or call them at the numbers that they have listed too. It is probably your fraud alert that has initiated the response. If you have the fraud alert, I do know you can pull all three reports thru thruecredit.com. At least, it works for me with a FA on EQ. I'd call them and ask. Maybe that old fraud alert is still there for online access. It's strange though that your brother gets the same message for his. I've used it, and it's gone through fine. |
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