GSWarrior2017 Posted October 12, 2017 Report Share Posted October 12, 2017 I've alway had good to great credit and recently bought a home with an approved home loan. A month later when I went to buy a security system for that home the security company ran a credit check and told me I had no credit report or history. How can this be? I pulled my TransUnion and Equifax and clearly see a report and got my usual credit score on Credit Karma, but when the security company tries to pull it over and over they say it comes back with no hits. We verified all of my info and addresses, ssn, etc, but the still nothing. What happened? Quote Link to comment Share on other sites More sharing options...
Harry Seaward Posted October 13, 2017 Report Share Posted October 13, 2017 Could be that your credit files are locked, but most likely they are entering your name or SSN in wrong or something. Just to test it, you should have a mortgage broker try to pull your credit for a re-fi or something and see what comes up. Quote Link to comment Share on other sites More sharing options...
fisthardcheese Posted October 15, 2017 Report Share Posted October 15, 2017 It sounds like 99% this is a problem on their end. Just to be sure, I would call all 3 CRAs and request a free copy of your reports from them. (Since you are having issues with this security company, you can say you had adverse action for a free copy if your state does not already offer free copies) Once you get a copy of your reports and everything looks normal, then I would simply tell the security company to figure it out or I can just go to another one of the multitude of companies that are competent enough to accept a new customer. Quote Link to comment Share on other sites More sharing options...
Recommended Posts
Join the conversation
You can post now and register later. If you have an account, sign in now to post with your account.