Why is it so hard to get a credit report?

[mr_chin]

I purchased it on transunion and equifax and both have these stupid secret question thingy. I answered to the best of my knowledge and i still can't get it through. For example, who is your last employer? I put in his full name and still doesn't work.

Then I actually called in to talk to one of the representative. Talk to him once and he started asking me when did I created my cellphone account. Give him any month of the any year. So I went from Jan - Dec of 2002 and 2003.. none worked.

I decided that I'll call him back and look for more info on this cellphone account. Found it, called back and was asked another question. They ask me for any of my credit card number (one that I don't use anymore), and ask me the date I created this card...

Not to mention both the representative can barely speak english... WTH is it so hard to get my credit report?

[Gt-R R34]

dude, just fax/mail in a form.

Why are you having so much hassle?

[bui95]

its hard because they dont want some random joe getting your personal info?

[mr_chin]

Originally Posted by Gt-R R34

dude, just fax/mail in a form.

Why are you having so much hassle?

i really want to know too. car dealership/banks can pull it up just like that but when you actually want it yourself, it's freakin hard.

[tool001]

Originally Posted by aznlangjai

i really want to know too. car dealership/banks can pull it up just like that but when you actually want it yourself, it's freakin hard.

go to ur bank, talk to ac rep, ask them to pull it for u, or tell them ur thinking of getting a loan but u wanna see ur report to figure out whats the best option for you. make them pull one for u .for free, all they need is ur name, and concent.