Overview

If we were unable to retrieve your credit report during the application process, it may be due to incorrect personal details or a security restriction on your credit file. This guide explains common reasons why this can happen and how to resolve it.

Common Reasons Your Credit Report Couldn’t Be Retrieved

✔ Incorrect Personal Information – Your credit inquiry is based on your name, address, and date of birth. If there are typos or mismatches in any of these details, we may not be able to locate your credit report. 
✔ Credit Freeze – If you have placed a credit freeze on your credit file, your report may be restricted from being accessed. 
✔ Limited or No Credit History – If you have little to no credit history, the credit bureaus may not have sufficient data to generate a report. 
✔ Mismatch in Credit Bureau Records – If your credit file contains outdated or mismatched information, it may not be retrieved successfully.

How to Resolve the Issue

If your credit report could not be retrieved, try the following steps: 
✔ Double-check your personal details – Ensure your name, date of birth, and address are correctly entered in your application. 
✔ Update your information with the credit bureaus – If your address or name has changed recently, contact the credit bureaus to update your file. 
✔ Lift a Credit Freeze – If you have a security freeze in place, you may need to temporarily lift it before reapplying and continue to monitor your accounts. 
✔ Build Your Credit History – If you have little to no credit history, consider steps to establish credit, such as opening a secured credit card or becoming an authorized user on an existing account.

Next Steps

If you’ve verified your details and still cannot retrieve your credit report, consider reaching out to the credit bureaus for further assistance:

• Experian: www.experian.com

• Equifax: www.equifax.com

• TransUnion: www.transunion.com

📌 Related Articles:

• How Loan Applications Impact Your Credit Score

• Loan Eligibility: How to Determine If You Qualify

• How to Improve Your Credit Score Before Applying for a Loan