Credit Reports Galore

destructfashion asked:


I just turned 18 about 10 days ago, and I tried opening a checking account with bank of America, but received the following notification a few days later:

“We are unable to open your account(s) at this time. Our decision was based in whole or in part on information obtained in a report from a consumer-reporting agency.”

I’m assuming this means that it wasn’t opened because of information on my credit report. However, up until this point I haven’t been able to sign up for anything that involves credit, so shouldn’t I not really have a credit report? Considering that a checking account just involves me using money in my own account, I don’t know why it would be turned down based on a lack of credit.

Also, I tried checking my credit report online but every site requires a credit card number (even if the service is free), and I don’t have a credit card because I was a minor until about a week or so ago. So I don’t know how to check my credit report either.

Any tips on either of these things?

FELIX

alison a asked:


I just pulled credit for a client, and one of his revolving accounts with bank of america showed up twice on his credit report. It’s definitely the same account, I have asked the client about it. It shows up once with a four digit account number, and the second time, directly below with the same balance and payment, and a twelve digit account number. How much could something like this bring down his score, and how do I get rid of it?

MOHAMMED