Recieving free Credit Report because of Creditor Denial

[LShawn08]

Recently tried the LUV button on my Banana Republic Card and denied like usual. It wasn't that much of a big deal I was giving it a whirl but read somewhere that every time your denied credit your allowed a free Credit Report of the Bureau they pulled from. How does that work ? I thought once you pulled your free reports for the year that was it, unless you paid. How do you get another report or am I misunderstanding something else ?

[coldnmn]

If it was a HP you can go to the credit reporting agency they used and pull it. If it was a soft pull I don't think you can.

[Kenny]

http://www.transunion.com/personal-credit/credit-disputes/credit-reports-disclosures.page

http://www.experian.com/reportaccess/#requestReport

https://aa.econsumer.equifax.com/aad/landing.ehtml

Hope that helps anyone that wants it!

[LShawn08]

Correction if it's a SOFTPULL it still works. Just checked my TU report and its all good but one day late from 2012. I guess they just don't like me. Thanks Kenny!

[coldnmn]

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@LShawn08 wrote:
Correction if it's a SOFTPULL it still works. Just checked my TU report and its all good but one day late from 2012. I guess they just don't like me. Thanks Kenny!

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Good to know thanks for sharing. 

[14Fiesta]

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@coldnmn wrote:

If it was a HP you can go to the credit reporting agency they used and pull it. If it was a soft pull I don't think you can.

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It might depend on the lender, but I know soft pull pre-qual denial for Credit One nets you a free Experian report.

[Ghoshida]

I have accessed free credit reports after any kind of denial: whether I was denied for a new card (HP), or denied for a Credit Limit increase (HP or SP).

You need to get the letter from the creditor about the bureau that they used (if they used multiple, they'll still tell you about one generally). Within 60 days of the denial, you can get the free report.

Also, if you have a report from Experian, you can use the same report number to get an updated report. I do not know what is the time frame to get the update though (i.e. 30 days, 60 days etc.)

EDIT: The updated report from Experian is free of cost.