Find solution
What happens with Delinquent Accounts on my credit report?

What happens if you request a credit report and have no credit?

  • Out of curiosity, I decided to request a free credit report from annualcreditreport.com. I am 23, but I've never had any credit cards, loans, or rent so I assumed my reports would come back saying my credit was zero or that I had "no credit history". Instead, all 3 credit companies tell me that my identity can not be verified and therefore I can't get an online credit report. Is this what normally happens when someone with no credit history requests a report, or should I be worried that that the credit companies have bad information about me?

  • Answer:

    Normal. No need to worry about anything. Google: Secured Cards. Citi and Orchard have good ones. Replace the money in full each month. No games of carrying balances. This will develop some credit in case you ever need a car loan or a home someday.

The Concrete Truth at Yahoo! Answers Visit the source

Was this solution helpful to you?

Other answers

the security questions were all trick questions did you answer them correctly. You actually have no report till you apply for credit. The CRB's have no idea who anyone is or their SSN till it is given to them by a registered lender. This is why credit fraud is fairly easy. Anyone with 1/10 of a brain can create a credit history which is why lying on loan applications is a felony to discourage such actions

Calvin C

Related Q & A:

Just Added Q & A:

Find solution

For every problem there is a solution! Proved by Solucija.

  • Got an issue and looking for advice?

  • Ask Solucija to search every corner of the Web for help.

  • Get workable solutions and helpful tips in a moment.

Just ask Solucija about an issue you face and immediately get a list of ready solutions, answers and tips from other Internet users. We always provide the most suitable and complete answer to your question at the top, along with a few good alternatives below.