Well, despite its reputation for trickery, freecreditreport.com was useful for me today. As I mentioned last night, I’ve been having trouble with my SSN. So this afternoon I called them once I got home from work.
Very nice CSR took down my information, looked up my account, and explained to me that according to Experian (their parent company) I simply don’t have a credit report. None. Nothing good or bad. Nobody (including me) has used my SSN for a loan, credit card, anything like that.
I asked her about my cell phone contract and she said that unless I’d used the SSN for that (I don’t think I did), it wouldn’t have gone on my credit report. Other than that, neither of us could come up with anything that would lead to my having a credit report. I’ve only ever used it for a couple bank accounts and employment.
She said that if these sites were trying to get my credit profile, that’d be why they were coming up confused.
So that’s a relief and an annoyance. Dangit all being so responsible!
On Monday I’m going to call up Paypal and see if I can set up that money market fund over the phone.
The next question that pops into my head—should I apply for a credit card with no annual fees, use it once, pay it off and simply lock it away somewhere? Just so that I can get a credit report?
Of course, credit cards are potentially a slippery slope. On the other hand, I haven’t had any problems with wanting to use Micah’s in all these months we’ve been married—nothing, we paid it off and we left it alone.
Oh yes, and she made sure my account was canceled (she said it should have been automatic since there was no report, but she double checked) so it remains truly free. Heck, I’d have been willing to pay $14.95 to figure out what was going on.