Transunion’s site (their answer to Experian’s “”) 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.

{ 2 trackbacks }

Will Being an Authorized User Give You Credit?
March 26, 2008 at 9:15 pm
Class Action Lawsuit Leads to Free Credit Scores and Credit Reports
August 28, 2008 at 2:01 pm


Ron@TheWisdomJournal March 26, 2008 at 1:38 pm

They aren’t sure you exist? Have we come to that point, that we question someone’s existence based on their credit history or whether they show up in our database? Scary! 😀

I know it’s frustrating, but it does keep the credit card hounds at bay! I wish they had never heard of ME…..

Jonathan March 27, 2008 at 5:10 pm

Do you have a bank account? If, have you checked your ChexSystems report as well? If you have a bank account hopefully you’ll have an entry for your SSN.

I can see having an empty credit report if you don’t have any credit lines in your name. Very weird how you almost need a credit line somewhere now. Although I use credit, I don’t think it should be requirement.

CindyS March 27, 2008 at 9:00 pm

Ah, Mrs. M, you are in a position that half the adult world wishes they were in. I would trade you my credit report for your empty one and raise you three. I’m sure it’s frustrating but look at the bright side, it’s a lot easier to get a credit report than it is to fix a bad one.

Kate May 24, 2008 at 11:36 pm

We went through a huge ordeal trying to get Wal onto my credit card, that I whine about in too much detail here.

Glad you were also able to eventually sort things out. Still funny to me that they are able to ask for so much verification even though you don’t need nearly as much just to OPEN a credit card. He didn’t when he opened his card with them…


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