Denial of Credit

• You may be eligible to receive a free copy of your credit report if there has been any adverse reaction as a result of information contained in your credit report. This may include denial of a credit or loan application, inability to extend credit limits or cancellation of credit. You should receive written notification of denial from the lender which includes the name of the credit reporting agency that provided the negative credit information.
  
  

Credit Reporting Agency

• A free credit report may be requested from the agency listed on the notice of denial within 60 days of the date of denial. The three main credit reporting agencies are TransUnion, Experian and Equifax. Equifax and TransUnion both offer online request forms to download, print and submit by mail. Contact Experian toll free at 866-200-6020 to request your free report.
  
  

Required Information and Documentation

• Basic personal information is required for requests including your full name, address, previous address (if you have moved in the last two years), phone number, Social Security number and date of birth. You should also provide a copy of the letter of denial and a utility bill to validate your mailing address. Credit reports will be delivered by mail and do not include your credit score.