The Attempt Limit Reached Message:
Sometimes, if you have tried to access your Experian file too frequently in a short period of time, Experian will lock your information as a security safeguard. In this case, you will see This is called the "Attempt Limit Reached" message. When this happens, please try again after 3 days (at least 72 hours) since you first received the error. If you try to access your account at Credit.com before this time period expires, you will not be able to log in. If you continue to experience problems signing into your account after the full 72 hours has passed, please let us know.
Unfortunately, when you receive the Attempt Limit Reached message, Credit.com is not able to unlock your account during the 72 hour time period. Experian, the credit bureau that is supplying all of the information for your Credit Report Card, has locked your account. Credit.com cannot bypass this block. We will never ask you to email us non-public personal information. This includes, but is not limited to:
- Social security numbers
- Credit or debit card numbers
- State identification card numbers
- Driver's license numbers
In order to obtain your credit report card from Credit.com, at signup, you will be asked to enter your email address, create a password, enter your first and last name, address, date of birth and phone number.
If you answer all of the questions to the best of your knowledge, and are still receiving the Attempt Limit Reached message, there are a few reasons Experian may not be able to verify your identity:
1. Have you recently made any changes, i.e. your name, residence?
2. Have you had any past credit/identity theft problems? Do you have an alert, hold or "freeze" on any of your credit reports?
3. It is possible that you have a "thin file" and Experian does not have sufficient information in their credit report. There are three credit bureaus (Experian, Equifax and TransUnion), and creditors are not required to report to all three bureaus.
If you think Experian has filed improper information about you, you will need to contact them to dispute this matter at http://www.experian.com/disputes, where you may access your credit report by entering your personal identification information.