How do I Get a Free Copy of My Credit Report If I Am Denied Credit?

Your credit report contains information on how you have paid your past and current debts as well as finance-related legal information regarding judgments and bankruptcies. It is vital that this information is accurate and up-to-date since many lenders approve or deny an application based on the data found in the report. If a lender denies you credit, the Fair Credit Reporting Act (FCRA) gives you the right to a free credit report from the credit reporting agency that provided the information.

Instructions

1

Deterine if you are within the time frame to receive a free copy of your credit report. The FCRA only allows free credit reports to people who have been denied credit within 60 days of the request.

2

Find the contact information of the credit reporting agency that supplied the information. Such information includes a mailing adress, phone number and website and is usually located at the bottom of the denial letter.

3

Choose a contact method and request you free report. This process varies depending on credit agency and method of contact but, generally you will have to provide personal information such as your name, Social Security number and address, as well as information about your denial such as the creditor name and date of denial.