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Cannot pull credit report for wife #5166671 07/20/19 08:24 PM
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Klutch9 Offline OP
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This is getting very frustrating. Recently I’ve been doing a thorough check of our financials, just as a precaution. I’d never looked at my credit report or scores before, other than what I’d seen from insurance companies, etc. that gave them to me. I recently pulled my credit report and got scores from a couple of the bureaus, no issue. But my wife can’t. For the record, she has never had a credit card ACCOUNT in her name. But, she has rented an apartment in her name, been an authorized user on several of my cards for years, and her parents’ cards when living at home (all account holders have excellent credit). However, none of the usual methods, I.E. CreditKarma, annual credit report.com, CreditWise, etc can find anything on her, or say that the information doesn’t match. I’m stumped. I know for a fact that one of our credit cards reports authorized users to the bureaus. Does she not have credit, or is this just a technicality with addresses or something else? I called the annual credit report number and we submitted her info over the automated system, so we’ll see if they show up in the mail. I’ve heard that this often doesn’t work though.

We’ve been married for 8 years so any name change would have long since been settled, FWIW. We’ve tried old addresses and maiden name to no avail.

Last edited by Klutch9; 07/20/19 08:25 PM.

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Re: Cannot pull credit report for wife [Re: Klutch9] #5166698 07/20/19 08:50 PM
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zrxkawboy Offline
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Just speculating, but I wonder if she would have to be a joint account holder, rather than just an authorized user. I think that would make her equally responsible for the account, where this way, you are solely responsible.


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Re: Cannot pull credit report for wife [Re: Klutch9] #5166704 07/20/19 08:52 PM
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Garak Offline
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I can't speak for the States for certain, but you may have to fill in a form and do it the old fashioned way, by mail. They do have that provision up here with the credit reporting agencies. Check with the websites of the actual credit reporting agencies and see if that's possible. Here, they have to let you do it at least once per year for free by mail.


Plain, simple Garak.

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Re: Cannot pull credit report for wife [Re: zrxkawboy] #5166714 07/20/19 09:04 PM
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Klutch9 Offline OP
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Originally Posted by zrxkawboy
Just speculating, but I wonder if she would have to be a joint account holder, rather than just an authorized user. I think that would make her equally responsible for the account, where this way, you are solely responsible.


I don’t know... I feel like joint accounts are uncommon. And even though I’m responsible for the accounts, everything I read says that when the credit card companies report on her behalf, it does reflect on her credit.


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Re: Cannot pull credit report for wife [Re: Klutch9] #5166762 07/20/19 09:52 PM
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csandste Offline
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Have her get a $400 credit card account in her name, matched by savings account at a credit union if necessary. Have her use the card for a minimum charge monthly, i.e. $25 of gas monthly. Pay it off on line completely every month. Told my slacker, mentally deficient step son to do this ten years ago. My wife died, got his sorry butt out of the house (thank god). Unlike my kids, who are afraid to use credit, but probably have huge education debts, he apparently has excellent credit scores. Actually called me a couple of years ago. Had some scammer tell he could get a mortgage because his FICO was 800. Pointed out to him that probably wouldn't work because he made $12 an hour. But he does get tons of credit card solicitations coming to my address and they're main line, credit card solicitations too, not the low end ones. So I do believe him when he says his FICO is 800+. Hopefully he's continued to use his car monthly for a small amount and pay the whole thing off.

Last edited by csandste; 07/20/19 09:54 PM.

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Re: Cannot pull credit report for wife [Re: Klutch9] #5166822 07/20/19 11:05 PM
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Rolla07 Offline
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No credit in her name, that the problem. Renting an apartment is unlikely to report on credit. She has no credit history. She should get credit in her name...ie her own CC..car loan etc...even a store card would help her establish credit if its kept in good standing.


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Re: Cannot pull credit report for wife [Re: Klutch9] #5166838 07/20/19 11:23 PM
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JLTD Offline
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Sounds like she has no credit history since she's been an "authorized user" on your accounts...and the apartment likely did no reporting.

She should open a car loan, credit card or something and establish credit.


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Re: Cannot pull credit report for wife [Re: Klutch9] #5166855 07/21/19 12:33 AM
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csandste Offline
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My mother in law lived to her mid nineties and had no credit. Everything was in her husband's name. Your wife needs to establish credit now. She can monitor with Credit Karma (not a FICO score but similar), or get one of the cards with free FICO reporting.

Last edited by csandste; 07/21/19 12:34 AM.

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Re: Cannot pull credit report for wife [Re: Klutch9] #5166864 07/21/19 01:00 AM
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Skippy722 Offline
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I added my wife as an authorized user on one of my credit cards, it helped boost her credit as she had none before.


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Re: Cannot pull credit report for wife [Re: Rolla07] #5166878 07/21/19 02:30 AM
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Wolf359 Offline
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You can basically say that your wife is a ghost. That's what we call people with no credit history. You need some tradelines in order to establish credit. As a landlord we never report rent to the credit bureaus. Authorized user used to be a trick to boost credit but I believe it changed and it doesn't really do that anymore.

Go to www.annualcreditreport.com and get a free copy of her report. There are many similar sites, but they are fake ones and charge money. Some of those credit monitoring sites we call them Fako scores as they use a different scoring model than what the banks use. You have to read the fine print and see what scoring model is used. Top scores can range from 839-850 depending on the scoring model. But some of those fako scores go up to 950.

Remember, credit is the ability to borrow money and pay it back on a timely basis. If they weren't in her name, she never demonstrated that.

Re: Cannot pull credit report for wife [Re: Klutch9] #5166916 07/21/19 06:14 AM
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This sounds like a great time for your Wife (to finally) get her financial life in order.

Have her get a Credit Card in her name and start using it (pay balance EVERY Month)
Never pay credit card interest

My first Credit Card had to be tied in with my Savings Acct. (only way I could get a CC)

Use AnnualCreditReport.com for checking your Report yearly at
1) Equifax
2) Experian
3) Trans Union
The reason you check your 'report' is for preventing Identity Theft and accuracy of all other info.

I went to OptOutPrescreen.com to remove my name from any credit card mailing lists (meaning: I don't receive CC Applications in the mail).

For my Credit Score, my credit card company has that on their web-site and I see it every Month when paying my bill.

It's a lot of work to do (keep good notes) but chip away at it.
You'll be glad you did.








Last edited by MasterSolenoid; 07/21/19 06:22 AM.

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Re: Cannot pull credit report for wife [Re: Klutch9] #5166922 07/21/19 06:35 AM
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I have a couple of "authorized users" on a business card and if I remember correctly the only info provided to add them was their name and very basic info - no SS# or birthday info = this does not have any impact on their credit score and I'm totally on the hook for their charges. This is different than what I have with my wife who was always a co-applicant on CCs - we did have to provide her SS#, etc and these do show on her credit history.


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Re: Cannot pull credit report for wife [Re: Klutch9] #5166948 07/21/19 07:41 AM
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Fawteen Offline
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Originally Posted by Klutch9
For the record, she has never had a credit card ACCOUNT in her name. But, she has rented an apartment in her name, been an authorized user on several of my cards for years, and her parents’ cards when living at home (all account holders have excellent credit).


You don't understand how building a credit rating works. Do your homework and you'll figure it out.


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Re: Cannot pull credit report for wife [Re: Wolf359] #5166984 07/21/19 08:16 AM
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Originally Posted by Wolf359
You can basically say that your wife is a ghost. That's what we call people with no credit history. You need some tradelines in order to establish credit. As a landlord we never report rent to the credit bureaus. Authorized user used to be a trick to boost credit but I believe it changed and it doesn't really do that anymore.

Go to www.annualcreditreport.com and get a free copy of her report. There are many similar sites, but they are fake ones and charge money. Some of those credit monitoring sites we call them Fako scores as they use a different scoring model than what the banks use. You have to read the fine print and see what scoring model is used. Top scores can range from 839-850 depending on the scoring model. But some of those fako scores go up to 950.

Remember, credit is the ability to borrow money and pay it back on a timely basis. If they weren't in her name, she never demonstrated that.


He said in his original post that he has already tried annualcreditreport.com and found nothing for her.

Re: Cannot pull credit report for wife [Re: Klutch9] #5166998 07/21/19 08:30 AM
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eljefino Offline
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It sounds like you have an iron grip on the family finances. Let her have a little.

Find a good rewards-bonus card on https://old.reddit.com/r/churning that pays $300-500 for signing up and have her do it in her name. Don't get hotel points or air miles, go for cash. Make the minimum $4k in purchases over 3 months then boom-- you get a signup bonus and she gets a credit rating.

I also believe it's the law that if she gets denied, the bank has to spell out a reason, which is a good place to start/ continue your homework. In this overheated economy though she'll probably get a card with a "lower limit" which will still be "huge" to most of us.

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