Transunion’s site (their answer to Experian’s “freecreditreport.com”) is called TrueCredit. I went there to see which credit bureau was spamming me and I don’t advise you to go. It’s pretty to look at, but if you try to close the tab/window it will gives you several popups pleading with you to stay.
Way to get me to never come back. Ever.
Anyway, this is ironic because…the only reason they have my info anyway is because I tried them out in my failed attempts to find my credit history.
It’s like they’re trying to taunt me:
“MM, we have your free credit report”
“MM, do you know what’s on your credit report?”
No you don’t have it because I don’t have one. And yes, I know that there’s a big fat nothing on it. Bleh.
And thus begins my update on my search for a credit history. You may remember my applying to get added as a joint account holder on Micah credit card. Well that went through and they sent me a card. Then they sent me another letter saying I’m just an authorized user so far.
Why? Because they’re not sure I exist. Fortunately, I was able to send them all sorts of proofs of ID and we’re still waiting for the response.
I felt very uncomfortable sending them photocopies of my social security card and driver’s license. Identity theft is scary. But at least instead of saying “Sorry we don’t believe you exist,” they gave me the chance to prove my existence.
Not being able to use your own identity is frustrating as is having to prove who you are. Maybe I’ll be able to open money markets or Lending Club accounts… Maybe soon I’ll be a free financial animal
again for the first time.