I started my credit score history about two years ago. I am about to pull my credit reports from transunion and Experian but not from equifax website. Same thing when I try to put a freeze on my credit reports I am able to do it on transunion and Experian but not on equifax. The equifax site tells me to write to them by mail to freeze my account which I haven't done yet.
Applied for a credit card and was told it's denied because of the report they got from equifax. What could the issue be and what should be my next step?