Why am I having trouble connecting my credit score?

We use the full name, date of birth, and address history you provided during registration to locate your credit file. Our system securely communicates with TransUnion to check whether there is a credit score that matches this unique combination of details.

Once TransUnion finds a match, you'll be asked a set of security questions based on your credit file. This step helps validate your identity and ensures that your credit score is being accessed by you, and not by someone who is pretending to be you. 

If your attempt to connect your credit score was unsuccessful, it may be due to the following reasons:

1. You do not have a credit score yet. We can only display your credit score if it already exists. If you don't have a credit score yet, you can still continue using Pave, as our credit building feature will help you build a history and eventually get a credit score.
2. The full name, date of birth and address history on your Pave account do not match the details on your credit report. If you're confident that you have a credit score, it's possible there's a mismatch between the information on your Pave account and what's on your credit file. This discrepancy may be why TransUnion could not locate your records using your Pave account information.
3. Your answers to the security questions were incorrect. If you reached the security questions but your credit score couldn't be connected, it means at least one of your answers was incorrect. TransUnion requires all answers to be correct in order to verify your identity and allow access to your credit file.

If you don’t pass the security questions but you’re sure you provided correct answers, we would advise that you first speak to TransUnion, as they control this process entirely.

30 days after your first attempt, TransUnion will allow you to retry the security questions, and we will let you know in the app when a new set of questions are ready for you.

There are some instances when despite all details seeming to match and correct answers being provided to the security questions, TransUnion still could not provide your credit score. Unfortunately, Pave does not have visibility over what might be causing these complex cases. In this situation, we highly recommend contacting TransUnion to see how they can help. 

Even if your score is not connected to the Pave app, Pave will still be able to build your credit history through our monthly reporting feature.