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Your Credit Report
Written by Kristy Welsh

Situations which entitle you to a free credit report

When you've already gotten your annual free report, you want to see your credit report again within the year. There are still some ways to get one free. If you are ever turned down for anything based (at least in part) on your credit report, the lender is required by law to tell you why you were turned down and give you the name and address of the credit bureau from which it pulled your credit information. This is true even if the credit report was only one factor in the decision. The same law instantly entitles you to receive a FREE copy of your credit report if you request it within 60 days after you were turned down. (It doesn't matter whether you have already received other free reports.)

 
Send a copy of your turndown letter to all three bureaus in question and ask for a free copy of your credit report. When you write to the credit bureau, state that you were denied credit, insurance, or employment based on your credit report from the bureau and that you are requesting a copy of it. Be specific about the name of the company denying you credit and the date on which it occurred. Hey, it's a $27 value, so don't look a gift horse in the mouth.
In addition to being turned down for credit, you are entitled to a free credit report:
  • • If you were charged higher rates and fees or deposits based on a credit report issued by a credit bureau, you have the right to get a free copy from that bureau
  • • If you certify in writing that either you are unemployed and plan to seek employment in the next 60 days
  • • If you are on welfare
  • • If you write to say you were a victim of fraud
 
  • • If you have experienced a negative change in your credit limit

Contact Information for the Three Bureaus
REQUESTING YOUR REPORT VIA THE TELEPHONE
This information changes all of the time, so be sure to check before you call. You can call toll-free information at 800-555-1212 to check the number.

Experian: Call 888-397-3742. Fax: 972-390-3809. The voicemail system is available in Spanish or English. It will let you record your request if you were turned down for credit, employment, or insurance.
Equifax: Call 888-873-5392. Fax: 888-664-4535 or 888-729-0083. The toll-free number has a voicemail system available in Spanish or English. It will let you record your request if you were turned down for credit, employment, or insurance.
TransUnion: Call 800-888-4213. Fax: 714-447-603 or 714-830-2449.