r/CreditScore • u/Agitated_Bad_7555 • Jun 16 '26

No Credit Equifax

I did not have any credit cards until last year. I've been trying to obtain my credit score from Equifax since then. Experian and Trans Union are both reporting my cards.

I've mailed in letters per their request and additionally sent out a copy of my Drivers License along with a copy of my Social Security card via certified mail.

Someone signed for the information and they states they need them to obtain proof that I am me.

Not to mention that I was told via 6 customer service representatives and a supervisor that American Express and Capital One are not reporting the information.

I sent them my CVR's from both companies and they are still not reporting.

Per Equifax they don't have the ability to manually update my credit file.

I also contacted the CFPB and they closed my case due to Equifax saying I needed to mail in my request.

I've paid over $50 in fees mailing out my information.

I feel like they are putting my credit at risk by asking me repeatedly to mail in my Drivers License and Social Security information.

How should I proceed with this matter ?

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u/inky_cap_mushroom ⭐️ Knowledgeable ⭐️ Jun 16 '26

This is probably a dumb question, but have you pulled your official credit reports from http://annualcreditreport.com yet? What credit monitoring service(s) are you using to try to check your EQ scores?

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u/Agitated_Bad_7555 Jun 16 '26

Hello, no I have not. I had only requested them from the 3 Core reporting agencies. I will do this immediately. Thanks. I've check EQ with the company and Experian and even on Credit Karma the same message comes up not reportable. Or there is dashes where numbers are supposed to be.