I have been denied credit in the last 60 days so....

[Izaana]

where exactly is it that I can go to get my free CR's???

[Anonymous]

Go to the CBs site. I think that you have to mail it to them but I am not sure.

[Boldilocks]

We were denied too (Target and Sears) - both of the letters gave an address to write to within 60 days, inc a copy of ID and telling you to include a copy of the rejection letter.  I just sent the actual letters instead of copies 9because this isn't critical stuff and I have enough paper clutter - don't need to keep the rejection letter) so I can't give the actual address - I remember that the EQ one was just the usual address for them though.

[Izaana]

Thanks y'all

can I just go to a website and get them again if I pay $, I dont want to wait on snail mail

can I do that here at myfico?

[Anonymous]

If you just need the report, cheaper to do it at the CRAs.

If you want the score too, then you get that here.

[jackg]

Izaana,

You can  go to "annualcreditreport.com" and get 1 free report from each agency every one year plus one day.

[Izaana]

I did that a couple of months ago

[jackg]

Well then you should go to the web site of the CRA that was used in the decision making process. Some where on that web site are instructions to get a new report based on the denial. If you can't find the info yourself pleas call a customer service rep and explain what has happened and you want your report. Ther are 2 options, first they can send you a hard copy (my preference) or they can give you access on line. I have used both processes at all 3 CRA's.

Good Luck

[RobertEG]

You are entitled to one free credit report anually from each CRA

Just log onto annualcreditreport.com.

[llecs]

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Izaana wrote:

Thanks y'all

can I just go to a website and get them again if I pay $, I dont want to wait on snail mail

can I do that here at myfico?

---

The only way to get the free reports for being denied credit, AA issue, fraud alert, etc. is via the CRA's website itself. Third-parties, like myFICO, won't give you that report.

Experian:

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

click "get my report now" and you'll see a disclaimer for getting free reports due to being denied for credit, etc.

Equifax:

http://www.equifax.com/cs7/Satellite?c=EFX_Page_C&childpagename=CP%2FEFX_Page_C%2FGetcreditCP&cid=11...

I tried recently and they told me I had to call them. Maybe they are tired of giving me free reports.

TransUnion:

http://annualcreditreport.transunion.com/tu/disclosure/disclosure.jsp?loc=1470

Easy step-by-step guide will help you in obtaining a free report other than via the annual ACR.