I have been trying to get my free yearly copies of all three credit reports. I was able to access Equifax on-line. TransUnion would not release a report on-line, but I should be receiving a paper copy in the mail in about a week. Experian seems to think I don't exist. I had planned to wait until after my cc reports, and then send in a paper request, however we talked to a mortgage lender yesterday, and he was only able to pull 2 of my three FICO scores. I know that one was Equifax because the number matched the number in my myFICO report. I assume the other was TransUnion, because I was able to order that report. What could be causing Experian not to report me at all? I found several different phone numbers for Experian. Some led me back to "go to our website." Others told me they were unable to process my request. I eventually found a number that had an option for something along the line of 'I was turned down for a loan or told that I would have worse conditions for a loan as a result of my credit score' and I selected that option. (The lending agent we spoke to averages the three FICO scores, so because I only had 2 available, they couldn't offer me a pre-approval or pre-qualifying letter). Experian gave me a confirmation number, but no option to actually get a report. From what I have found, I can't talk to a customer service person unless I have a report number, and I can't get a report number until I figure out why I can't get a report! Help! What should I do? I have an established credit history, including a regularly used cc account that I opened in 1997, but this is the first time I have attempted to get copies of my reports.
*
TL/DR summary: How can I get a free annual report from Experian if neither the website nor the automated phone system will issue one?