Troubleshooting credit report loading and identity verification

Why this happens

To show your credit report, the credit bureaus must first verify your identity. If your report won't load, it's almost always one of these:

• Identity verification didn't complete — the bureaus couldn't match your details
• A detail doesn't match bureau records — name, address, date of birth, phone number, or SSN entered differently than what the bureaus have on file
• A temporary error at the bureau — occasionally their systems have hiccups

What to try

1. Refresh your browser and try again — temporary errors often clear on retry.
2. Re-verify your identity from your dashboard, making sure every detail is 100% accurate and matches your official records: full legal name, current address as it appears on file with lenders, and correct date of birth and SSN.
3. Use your own phone number. Verification can involve your phone — a number that isn't yours (or a work/VoIP line) can cause failures.

Fixing details entered during signup

If you mistyped your phone number or another detail during signup and verification now fails, contact support — we can reset your verification so you can go through it again with the correct information.

Verification attempts are limited

For security, the bureaus limit how many verification attempts you can make in a period. If you've used all attempts, you'll be able to try again after a waiting period — contact support if you're stuck.