How can I get a free credit report?

Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Tue Jan 11, 2005 11:25 pm
Post subject: denied credit - how do i get my credit report?

Joe
Date: 8/31/2000 10:13 pm CDT

I would like a copy of my credit report. I applied for credit recently and was turned down

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Tue Jan 11, 2005 11:25 pm

Board Monitor - CA
Date: 8/31/2000 11:00 pm CDT

Joe,

Thanks for your inquiry! You are entitled to a free copy of your report if you were denied credit. The creditor than denied your application for credit is required to provide you with instructions about contacting the credit bureau that they used to make their decision.

You can also find out more information about credit reports by visiting the "Credit Information" section of our site (including contact info.). Click on the "Credit Reports" link.

Hope this helps!

Best Regards,
Curtis Arnold
CFCCT P.R. Director
http://www.cardratings.org

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Author: archive
Joined: 23 Jul 2004
Posts: 5007
Posted: Tue Jan 11, 2005 11:26 pm

Board Monitor - CS
Date: 8/31/2000 11:06 pm CDT

In most cases you should receive a letter from the issuer that declined you which will list the bureau(s) that supplied the information leading to your denial. They should have also included contact information such as an address or phone number that you can write to or call to request a free copy of your credit report. You have 60 days to order your report. If you did not receive the contact information, I recommend you call the corporation you applied to and you will be able to obtain the contact information for the credit bureau(s) they use.

Take Care,
Casey Smith
cardrevolt.com

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Author: NightStar
Board Monitor
Joined: 07 Nov 2003
Posts: 2634
Location: Illinois
Posted: Sat Jan 22, 2005 9:49 pm

Experian 888-397-3742
Equifax 800-685-1111
TransUnion 800-916-8800

These are the automated numbers for obtaining free credit report that were declined credit.

Just a matter of determining which bureau the creditor pulled from if they fail to provide you with the adverse action letter, but that is not a real problem, just calling and checking the phone system they should know automatically and send you out the report.

Best Regards,
Pammila Phillis
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH
501-663-0033 FX

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