can someone help with credit reports. what is the safest way to get credit reports? i need to get my daughters report done. we went on line to get report and it was unable to give us the report. kind of concerning, she is 19 and has no credit in her name yet and we want to establish credit for her. she has over 9k in the bank and no one will give her a credit card. what gives how do i estabilish credit for her?