No credit score or error message

Error: 9193 No record found Report

There was a mismatch in the personal information provided by the applicant with what Experian has on file. Per Experian,

Experian uses a search and match engine for retrieving and loading consumer data onto the File One℠ Consumer Credit Database. The specific search and match algorithms used to retrieve a consumer record utilizes the key components of the consumer name and address along with any additionally provided information such as Social Security Number, telephone number, birth date, and/or driver’s license. The combination of name, address, Social Security Number are generally unique identifiers for a specific consumer and the architecture of the File One℠ database allows for the uniqueness of the data to be identified and used in the matching evaluation. However, the unique identity of a consumer is often complicated by human behavioral factors like misspellings, data-entry errors, etc. For this reason, Experian (and other credit reporting companies) use algorithms to assist in identifying logical variations of a consumer identity which complicate the matching process but also add flexibility in identifying a consumer across user applications and over time

Under FTC, clients are obligated to collect and provide accurate and complete information for identifying a consumer when pulling a credit report.  The identifying information is used to search a reference repository for possible candidate “consumer” records, and then matches the input consumer identification data elements to the corresponding elements on the database to determine if there is a sufficient match to qualify the consumer.  Therefore, the more complete and accurate identifying information provided on an inquiry by the client strengthening the match logic.  Our system can provide credit report based upon minimal data, but in all cases, unless the provided information is a unique match to a consumer on our file, we will not return a report (a no hit will be returned).  This is to accommodate FTC standards for protecting consumer privacy and ensuring that we are not delivering a credit information without permissible purpose.

Ultimately, the tighter protocols for matching an applicant to a credit file, and providing those reports to agents, is in the best interest of all applicants, agents, and owners. 

Common invalid data entries include,

• Invalid SSNs, (e.g. incomplete SSNs, ITINS)
• Incomplete or invalid current addresses for applicants, (as a reminder, the current address field must always be that of a US address)
• Incorrectly formatted full names, (full first and last name are required, middle names are optional)