Why Your Credit Report May Not Be Available Online


updated September 11, 2017

by Barbara Nevins Taylor

Getting a free credit report online is easy, unless a security alert gets triggered by you or someone else. And the Equifax breach adds up to a giant security alert trigger for more than 143 million of us. 

When a security alert gets flagged for any reason, you may have to jump through hoops to see your report. We originally reported this story before the Equifax data hack that compromised Social Security numbers, drivers licenses and other personal information. We have the latest about what you should do about the Equifax data breach here

In general, this story explains why your credit report may not be available online.

TransUnion Chief Operating Officer David Emery says, “95 percent of those who try the online system have no problem. We send out 20 million credit reports a year.”  

Yet there are circumstances when you can’t get instant information from the online system. We discovered the problem that some encounter when our intern Paul, who asked us not to use his real name, logged on to for the first time. Paul recently graduated from college and moved from his small-town college community to New York City to go to graduate school. He wanted to make sure that information on his credit report is accurate and that no one had stolen his identity. IMG_0903 Paul followed the online prompts. He entered his name, Social Security number and address, but then was told he couldn’t get his credit report online. So he tried the’s 800 number and the automated system wasn’t helpful either. He was impatient and selected Equifax, another credit reporting bureau, through annualcreditreport. He received the same screen message.  

Continue → Or go to page 1  2  3 Read: How to Improve Your Credit

Read: What Should You Do About Equifax Data Hack?

Read: Consumer Outrages Forces Equifax Backtrack

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Barbara Nevins Taylor

As the winner of 22 Emmy Awards and a slew of journalism honors and awards, I created to give you the straight story about complicated stuff. Tell us what you want to know and we'll get you the answers.

2 thoughts on “Why Your Credit Report May Not Be Available Online”

  1. Yeah right… Then they want way more information sent to them to show you what you should see online. I viewed it online and then I wanted to print a copy. Now I get the message that it is not available, but they will send me a copy if I send them copies of my social security card, drivers license, mortgage information, paycheck stubs, utility bills and an handful of more useless documents. No wonder that their customer service ratings are so low that numbers have a problem getting down that far!

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