Missing accounts on my credit report
Your credit file may not reflect all your credit accounts. Although most
national department store and all-purpose bank credit card accounts will be
included in your file, not all creditors voluntarily supply information to the
credit bureaus: Some travel, entertainment, gasoline card companies, local
retailers, student loan lenders and credit unions are among this group of
If you've been told you were denied credit because of an "insufficient
credit file" or "no credit file" and you have accounts with
creditors that don't appear in your credit file, you might consider asking your
creditors to begin reporting your credit information to credit bureaus. It
won't hurt to ask, but keep in mind that creditors are not required to report consumer
credit information to credit bureaus. Another possible option is to move your
account to a different creditor who does report regularly to credit bureaus.
The Score That Matters®
The FICO Score is the standard credit score in the US, used in more than 90% of lending decisions.