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I responded to someone about my checking 'backdoor' reports in another thread and here is my answer:
To get a free TU report due to AA, which shows your softs go here:
http://annualcreditreport.transunion.com/tu/disclosure/currentSituation.jsp
I have a recent report number already for Experian, so I can input to update report here:
https://www.experian.com/consumer/cac/InvalidateSession.do?code=DISPUTE&channel=8348
If you were denied because of EX report, use this link:
http://www.experian.com/reportaccess/index.html
For EQ if you have CWG you can see your soft inquiries by requesting an updated report daily if you want to check as you are allowed 1 pull a day. I have this service, so not really a back door for me, but it does show softs pulls if you are interested in those.
If denied for AA on EQ you can request report here:
https://aa.econsumer.equifax.com/aad/landing.ehtml
So, this is probably the easiest way to receive an updated report if you have had a recent decline. Of course it isn't something you can use everyday, but it's helpful to know you can get them online. I was sending off for reports by mail for a good while when I would get the letters for the denials. They have some other reasons listed to see if you are eligible to receive one.