What does it mean when your equifax credit report is missing?

i just turnt 18 and i have been applying for things to try to build credit but nothing will accept me. i even gpot denied for a babies r us card and friendmans, and other credit cards, and small loans. ive tried everything. lol. but everything tells me that my equifax credit report is missing. I tried going to the website to view my report but it tells me that information is missing or is incorrect.

What does it mean when your equifax credit report is missing?
Your report isn't missing....it's non-existent! You probably have never received a loan or had a credit card, so you have not established a credit rating yet.





There are a number of companies offering low limit credit cards for students...start there. If you are trying to get a bank loan, ask to speak to the manager. You need to convince him you have the ability to pay back a loan, so show him your paychecks. If you have been working for several months that will help. If you don't have a job at all, don't even bother.





You may also need to get someone to co-sign.
Reply:You have zero credit history on file for that credit bureau -- so no credit report. You probably won't like this answer because it involves putting money aside and time. Go to a credit union or bank. Tell them you are trying to build credit. Ask them about a secured credit loan. These are loans backed by money you place in a savings or CD. The minimum I've seen is $1000. Then the bank allows you credit up to that amount you have in savings/CD. Make sure they report to the credit bureaus. Otherwise your are building good credit history that never gets reported. There are other options, but this is the safest.