What is up with my Experian credit report?

[Franz316]

So I was booking a trip and I went to apply for the American Airlines card at checkout for the bonus. To my surprise I was declined for the card. I had checked my credit score a week earlier and it is 831. I got Citi's reason in the mail and it was basically for lack of credit history. This was weird because I have several lines of credit going. They ran it on Experian so I decided to pull my 3 reports. Equifax and Transunion correctly report all my credit cards, current loans, rent, and past loans perfectly.

My Experian report however has a single credit card on it that I closed 2 years ago. I called Experian and the basically said I need to ask my creditors to report to them. I've heard of discrepancies in what gets reported to the three agencies but this is ridiculous. How can literally nothing current be on this report? I'm basically f'ked if anything I apply to checks Experian right now.

Does anyone have any insight into why this would occur?

 

[BarkingGhostar]

I would think AA is the bigger problem. But that's just my opinion because if AA it too lazy and too cheap to try a second agency then they are not in a rush to benefit you with anything.

 

[Franz316]

Yeah I called Citi who does the AA card and they said they randomly select the credit bureau, and I got Experian. =/ I'm going to try again tomorrow and try and talk to someone higher up.

 

[John Connor]

Can I hazard a guess and say because Experian is a world class fuck up of a company?

 

[Exterous]

I would think AA is the bigger problem. But that's just my opinion because if AA it too lazy and too cheap to try a second agency then they are not in a rush to benefit you with anything.

Citi or Barclays issues the card - AA doesn't have anything to do with individual approvals

Yeah I called Citi who does the AA card and they said they randomly select the credit bureau, and I got Experian. =/ I'm going to try again tomorrow and try and talk to someone higher up.

If you freeze Experian they may try another company or call you and ask you if its ok if they try another company

 

[Exterous]

Also if you want the signup bonus Barclays could also be an option depending on your offer and what fringe benefits you're looking for. 60k points after first purchase. No idea who they pull though

https://home.barclaycardus.com/cards/aadvantage-aviator-red-world-elite-mastercard.html

 

[SillyOReilly]

Why are these companies given full lease to my information to solely fuck up my shit?

 

[dud]

Thinly veiled credit score brag thread ...

 

[highland145]

Why are these companies given full lease to my information to solely fuck up my shit?

You had a head start.

 

[zinfamous]

Can I hazard a guess and say because Experian is a world class fuck up of a company?

That was Equifax that fucked up...but I wouldn't put it past Experian or Transunion to be equally fuckupable.

 

[BarkingGhostar]

Thinly veiled credit score brag thread ...

At 831? Doubtful. Even mine is better than that. And I'm an idiot.

 

[chimaxi83]

At 831? Doubtful. Even mine is better than that. And I'm an idiot.

Thinly veiled credit score brag post...

 

[dud]

Thinly veiled credit score brag post...

Well played.

My score is lower ... because I have no use for credit.