@csryang wrote:
You are not entitiled to a free report based on not getting the best terms...
No, that does qualify. I recently received a free Experian report for that reason, sending the letter with the score, CRA used and reason(s) cited. Emphasis added below:
http://www.experian.com/disputes/free-discounted-reports.html
Free or Discounted Reports
Under the Fair Credit Reporting Act, you may be entitled to receive a free copy of your personal credit report if you have been notified within the last 60 days that you were declined credit, employment, insurance or rental housing opportunity or if adverse action has been taken against you, based on information from Experian, or if you received a notice that the terms of credit offered to you may be less favorable than the terms offered to consumers who have better credit histories. Additionally, you may be entitled to a free copy of your personal credit report if you certify in writing that you are unemployed and plan to seek employment within the next 60 days, or you are on public welfare assistance.
@csryang wrote:
You are almost always entitled to a free credit report from the credit card company whether or not you get approved or denied for a credit card.
I've never received a report resulting from an approval. The CRA's supply the reports -- not the creditors.
