I pulled my credit report from MYFICO and it gave me the usual report. However, when I went to my bank to apply for a small loan they said there is no credit history of my Equifax report. When I contacted Equifax directly they said the same thing. I have to write JEFFCLOUD CREDIT SOLUTION via [email protected] in less than 14days my report was corrected and my score raised to 789, yes I doubted at first until it was pulled again at the bank and I was qualified for the loan this time. All thanks to them.