f**********e
发帖数: 98 | 1 【 以下文字转载自 LosAngeles 讨论区 】
发信人: futureinlife (futureinlife), 信区: LosAngeles
标 题: 不让查信用记录
发信站: BBS 未名空间站 (Thu Jan 27 00:33:31 2011, 美东)
申请了SSN以后从来没去查过信用记录，今天上https://www.annualcreditreport.com
却不让查annual report,说是For security reasons, your Personal Credit Report
is not available online. 我猜可能是三个原因，要么是因为我还没申过credit card
,没信用记录，要么是地址哪里填错了，要么是有被人盗用了。各位能帮我分析下查不
到记录的原因吗？ |
z*********8
发帖数: 332 | |
f**********e
发帖数: 98 | 3 三个都不让查吗？
【在 z*********8 的大作中提到】
: 我也遇到同样的问题，搭车同问一下~
|
z*********8
发帖数: 332 | 4
我是找到有个网站提供3 in 1 report,最后结果跟你一样。。。
【在 f**********e 的大作中提到】
: 三个都不让查吗？
|
f**********e
发帖数: 98 | 5 你有没有信用卡或者信用记录？
【在 z*********8 的大作中提到】
:
: 我是找到有个网站提供3 in 1 report,最后结果跟你一样。。。
|
z*********8
发帖数: 332 | 6
暂时没信用卡，不过我半年前就把银行账户和SSN联起来了
【在 f**********e 的大作中提到】
: 你有没有信用卡或者信用记录？
|
f**********e
发帖数: 98 | 7 我也是一样的情况，难道是没有信用记录就不能查？
【在 z*********8 的大作中提到】
:
: 暂时没信用卡，不过我半年前就把银行账户和SSN联起来了
|
j**********9
发帖数: 5431 | 8 1) No credit card is the major reason. Normally your credit information will
be picked up by Credit Bureau(CB) after 6 months of using your first credit
card. Here I mean using, not just openning or activating. Your 6-month
payment history is a start to give your records to CB to generate your credit
report and credit score.
2) You may not have your credit report ready right after 6 months. But it is
just a matter of time since your credit issuer needs to
report to CB and CB needs time to put your information in Credit DATA
Platform.
Credit report can help you check fraud information since you should know how easy to apply for credit card in US if you have other guys correct personal information.
Credit score component:
1)35% payment history;
2)30% amount owned;
3)15% length of credit history;
4)10% new credit;
5)10% types of credit used.
You will not have a credit score without any credit card.
To Janson: you'd better apply afor credit card and start using it. When you
want to rent an apartment in Aug, you will be asked to sign an agreement to
provide permissible reason to let apartment management office pull your
credit report, which makes an important role to help them decide whether
to rent the apartment.
com
Report
card
【在 f**********e 的大作中提到】
: 我也是一样的情况，难道是没有信用记录就不能查？
|
f**********e
发帖数: 98 | 9 thank you so much
will
credit
credit
is
how easy to apply credit card in US if you
have other guys correct personal information.
【在 j**********9 的大作中提到】
: 1) No credit card is the major reason. Normally your credit information will
: be picked up by Credit Bureau(CB) after 6 months of using your first credit
: card. Here I mean using, not just openning or activating. Your 6-month
: payment history is a start to give your records to CB to generate your credit
: report and credit score.
: 2) You may not have your credit report ready right after 6 months. But it is
: just a matter of time since your credit issuer needs to
: report to CB and CB needs time to put your information in Credit DATA
: Platform.
: Credit report can help you check fraud information since you should know how easy to apply for credit card in US if you have other guys correct personal information.
|
z*********8
发帖数: 332 | 10
Many thanks!
【在 f**********e 的大作中提到】
: thank you so much
:
: will
: credit
: credit
: is
: how easy to apply credit card in US if you
: have other guys correct personal information.
|
j**********9
发帖数: 5431 | 11 your guys are welcome!
any question related to credit, i will try my best to answer. |
