I've only ever managed to successfully register with Equifax (EQ). In the past, when I tried to subscribe to premium services to access information from the other two credit bureaus, I could never pull the information from TU.
Today, by chance, I received an advertisement from EQ offering the first 7 days for just $1, so I clicked and made the payment.
Surprisingly, I was able to successfully pull credit reports from the other two agencies, but then, but!!
![](https://jdzhao.com/wp-content/uploads/2024/02/image.png?v=1707714705)
The first one is my Equifax (EQ) record, where the last four digits are correct. The following two are records from Experian and TransUnion, and I just couldn't keep it together when I saw the last four digits. My fellow Chinese friends would definitely make a connection here; it seems to bear a slight resemblance to our Chinese ID numbers...
No wonder, no wonder I've never been able to get CITI and APPLE CARD; they always say my credit record does not match.
I'm really at my wit's end... Thinking back, only two banks could be responsible for this mix-up: the once highly popular Huamei VELO and AMEX.
Well, I guess I'll just have to send letters to dispute this with both of them, hoping to get the incorrect SSN corrected to my ITIN or removed altogether.