Question: How do I get a free credit report when I've been turned down for credit?
Answer: You can get a free credit report when you’ve been turned down for credit by requesting your report from the credit bureaus within 60 days. The company you applied with is required to send you a letter giving instructions to order your credit report within a few days after the denial decision has been made. If you don't receive a letter, contact the lender to ask for it or visit the credit bureau websites:
- Equifax
- Experian or call 1-866-200-6020
- TransUnion
Make sure you order this free credit report directly from the credit bureaus using the links above. You should order from the specific credit bureau who provided the report used in the adverse decision against you. The other bureaus aren't required to give you a free credit report in this situation.
You're also entitled to a free annual credit report each year from the credit bureaus. The annual credit report should be ordered through AnnualCreditReport.com.
