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Adding Accounts to Your Credit Report File
( Page 7 of 20 )
Your credit report file may not reflect all your credit accounts. Most national department store and all-purpose bank credit card accounts are included in your file, but not all. Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those that usually aren't included.
If you've been told that you were denied credit because of an "insufficient credit report file" or "no credit report file" and you have accounts with creditors that don't appear in your credit report file, ask the consumer credit reporting companies to add this information to future credit reports. Although they are not required to do so, many consumer credit reporting companies will add verifiable accounts for a fee. However, if these creditors do not generally report to the consumer credit reporting company, the added items will not be updated in your file.
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