The credit bureaus TransUnion and Equifax suggested he send a written request to them for a copy of his report.
We were curious about why Paul couldn’t get his report quickly and in general why your credit report may not be available online. We reached out to both TransUnion and Equifax.
We got a call from TransUnion C.O.O. David Emery. He told us, “The online security bar is high because once we give you that credit report, you see everything.”
Emery says there are a few things that automatically flag your request as problematic:
- If you put in a new address that isn’t listed with the credit bureau.
- If you put in a previous address that’s not listed.
- If you put in a middle name that is not listed on your credit report or credit accounts.
Ironically, if you’re just starting out in life and you have few credit cards and loans or a brief financial history you may encounter the security wall. Meredith Griffanti, a spokesperson for Equifax says, “If the consumer has a “thin-file” or is unable to answer the online questions correctly, then annualcreditreport.com asks that the request be mailed in due to tighter security measures for consumer protection.”
Paul matched the criteria for red flags. He doesn’t have an extensive credit history and his new address wasn’t listed on the report.