Under federal law, if you have been denied credit in the past 60 days, you are entitled to a FREE copy of your credit report from the credit bureau that provided the information that denied you credit.
The government's goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment.
You can either write a letter or call the credit bureau that provided the information.
If you write a letter you will need to send a copy of the denial letter, clearly identifying the credit bureau, along with your request.
The three major credit-reporting agencies, Equifax,TransUnion and Experian are each required to provide consumers, upon request, a free copy of their credit report once every 12 months.
Don't try to get the credit reports from all three companies at a single time. This will allow you to space out your free credit reports thrice in a year over a regular time interval. Thus, you can see the changes that occur over time in a year.
If you order a free credit report and find incomplete or inaccurate information in your file, you can report it to the consumer reporting agency. Unless your dispute is frivolous, the agency must investigate your claim.
There are numerous websites offering you the opportunity to get your free credit report. The only obligation here is a normal 30 day three trial periods. So in case you use this facility then don't forget their membership within the free trial period. Don't give your credit card information or any such information which can become the cause for identity theft.
