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 supply information to CRA's. Some travel, entertainment, gasoline card companies, local retailers, and credit unions are among those creditors that don't.

If you've been told that 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, ask the CRA to add this information to future reports. Although they are not required to do so, many CRA's will add verifiable accounts for a fee. however, understand that if these creditors do not report to the CRA on a regular basis, the added items will not be updated in your file.

Sometimes, there are legitimate reasons why you didn’t pay a bill. If a contractor refused to finish a job or did a poor job, then you may have refused payment, but the non-payment may still count against you on your credit report. If there are any unusual circumstances surrounding your credit report that may affect your credit rating - such as a case of identity theft - you can ask that a note be attached to your credit report to explain the problem.

Some lenders will pay attention to this and some will not, but it is a better solution than nothing at all. Such a note will not affect your credit score but will affect your credit report. More importantly, it leaves a paper trail of the problem that lenders can look at if they choose.

Every Credit Bureau allows you to add at least a hundred word statement to your credit report. Company Name, Telephone#, Acct # and basic history in as few words as possible! THIS IS YOUR REPORT….GET ALL OF IT ON THERE!

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