Swolf Posted April 12, 2007 Report Share Posted April 12, 2007 There is not any information in your TransUnion credit report that we can use to generate your credit score. This is because of one of the following reasons: you do not have any credit accounts open in your name, or you have disputed charges on the accounts you have, and by law, disputed information cannot be used to perform a score evaluation. Your credit report is classified as a "thin file" by many lenders. Because of the thin file, we do not have enough information about the way you use credit to provide you with a score. This may classify you as high risk to lenders, and there may be issues when trying to acquire new credit. If you need more credit, it may be easier to get credit from your bank you hold your accounts in or by applying with a "co-signer". You may want to delay applying for credit until you have more credit history because you will not receive optimal interest rates or loan amounts. Try to be patient, as time will allow you to develop your credit history. To build a good credit history, it is necessary to always pay all your bills on time. What does this mean????????? Thanks in advance Link to comment Share on other sites More sharing options...
willingtocope Posted April 12, 2007 Report Share Posted April 12, 2007 What I get out of it is either all your tradelines (TLs) are marked "in dispute" or you simply don't have enough TLs to report on. Right? Link to comment Share on other sites More sharing options...
cracrap Posted April 12, 2007 Report Share Posted April 12, 2007 it says basically the same for me for exp and i have a long history,,what happened to me is that when u try to update your cr,your not actuallly dealing with the bureau,....its a 3rd party source,and theyre not able to access your file..i dont know how to go around it ..i always have to have my cc credited back because it wont let me access my report or it shows no history... Link to comment Share on other sites More sharing options...
Swolf Posted April 12, 2007 Author Report Share Posted April 12, 2007 well I have been bumping it for about a week now as we are doing credit repair for a loan. She has plenty on there that isn't being disputed, old good credit so its not all in dispute. So I am just taken back at it. I am hoping it didn't split, but to be honest I really know nothing about splitting. Link to comment Share on other sites More sharing options...
willingtocope Posted April 12, 2007 Report Share Posted April 12, 2007 Do you have a copy (direct from the credit bureau) after you've done all the bumping? You need to see what's actually listed. Link to comment Share on other sites More sharing options...
Swolf Posted April 13, 2007 Author Report Share Posted April 13, 2007 Do you have a copy (direct from the credit bureau) after you've done all the bumping? You need to see what's actually listed.I am sorry I dont understand, I have a copy from the other day but Transunion just went blank yestuerday so I am not sure. I have just sent DV letters, I haven't actually disputed anything yet. Link to comment Share on other sites More sharing options...
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