<prompt> Human: I am asking this because I am trying to pay down debt accounts I know I have. However, when I tried to view Equifax or Experian the websites were telling me there was an error and information was not available Experian or I had to mail in my request for a credit report Equifax.  <response>: I authored the majority of that article. Maybe I can help you understand.In the majority of cases and the ideal case, all three monitor all credit tradelines that you have in your name. On a rare occasion, youll get an account thats reported to only 1 of 3, or 2 of 3, but this is uncommon in the digital era.If you have whats called a thin file, its possible that the bureau simply doesnt have enough information to verify that you are, in fact, you. In that case, file paper with the FTC, providing the proper forms of ID, and theyll send you your report via snail-mail.Further reading: 