" If you've been told you were denied credit because of an "insufficient credit file" or "no credit file" and you have accounts with creditors that don't appear in your credit file, ask the CRA to add this information to future reports. Although they are not required to do so, many CRAs will add verifiable accounts for a fee. You should, however, understand that if these creditors do not report to the CRA on a regular basis, these added items will not be updated in your file. ~FTC" Anyone know what the fee is? So what they are saying is I can ask the CRAs to add my Verizon Cell phone account to my report? I understand it is not updated but...better then nothing. Anyone have any experience with adding accounts via CRA? Thanks,
