requestiing a copy of my rport

[Anonymous]

We just tried for a mortgage loan and were denied.  I do not wany another hit on our credit so I was thinking of requesting a copy of what my lender had pulled. Is that possible or do I have to pull the reports myself to know what the lender saw?

[RobertEG]

If you receive a denial of credit in which the creditor used a credit report as part of their consideration, they must advise you in their denial letter of your right under the FCRA to send a copy of the denial letter to the CRA within 90 days of the denial letter.  The CRA must then provide you a free copy of your credit report.

It is important to note that the creditor does not provide you the report, it must be obtained from the CRA.

[LianaCCB]

You can also utilize a consumer credit reporting site - the report may not be as in-depth as the report your mortgage lender pulled, but generally they will not provide that report to you. A basic consumer report from ScoreSense or IdentityGuard can give you a pretty accurate overview of what is going on with your credit. Most even offer a free trial. I know Credit Check Total does soft inquiries (other lenders cant see that) so it won't add additional hits to your scores.

Hope that helps!

[Anonymous]

I am going to wait to see if the report will come in the mail. For now, I am using CreditKarma to see what's on my report. My score on CK is much lower than the one I get from DicoverIT. 

Would this be a good time for me to maybe open a new credit card or ask for credit limit increase ? (multiple HP in a short time does not affect my score, right?) (I am so new to this, I know I sound stupid.) 

[Luscher]

you can get a free report from annualcreditreport.com

[Anonymous]

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@RobertEG wrote:

If you receive a denial of credit in which the creditor used a credit report as part of their consideration, they must advise you in their denial letter of your right under the FCRA to send a copy of the denial letter to the CRA within 90 days of the denial letter.  The CRA must then provide you a free copy of your credit report.

It is important to note that the creditor does not provide you the report, it must be obtained from the CRA.

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+1. Right on.

[coldnmn]

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@Luscher wrote:
you can get a free report from annualcreditreport.com

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+1 They wont give you the score but a detailed report of everything else. Including SP inquiries.