Free credit report review
Turned down because of your credit?
When a business says no, or offers worse terms, because of your credit report, the law lets you get a free copy of your report from the credit bureau it used. Send it to us and a consumer-protection attorney reviews it at no cost.
- Free, with no obligation
- Reviewed by a consumer-protection attorney
- Your information is kept encrypted
Notice of action taken
SampleWe are unable to approve your application at this time.
Our decision was based in whole or in part on information in a report from this credit bureau:
The credit bureau's name, address and phone number
The credit bureau did not make this decision and cannot tell you why it was made.
You have the right to a free copy of your report from that credit bureau if you ask within 60 days.
Your right
Your right, in three steps.
The law lets you get a free copy of your report from the credit bureau the business used, if you ask within 60 days. Here is how to get it, and what to do with it.
Step 1: Look at the notice you were given
A business that turns you down, or takes another unfavorable step, because of your credit report must give you a notice. The notice names the credit bureau the report came from.
Step 2: Ask that credit bureau for your free copy
You have 60 days from the notice to ask that credit bureau for a free copy of your report. You can also get your reports any time at AnnualCreditReport.com: free, once a week, from each of the three nationwide credit bureaus. ClaroCredit reviews reports from Equifax, Experian and TransUnion. If your notice names another company, also get your three free reports at AnnualCreditReport.com and send those.
Step 3: Send it to us
Attach it to the form below. A consumer-protection attorney reviews it at no cost, and you are under no obligation.
Send your report
Have an attorney look at your credit report, free.
Attach your credit report and tell us what happened. A licensed consumer-protection attorney reviews it at no cost, and you are under no obligation.
Send your report
Free, with no obligation. Fields marked optional can stay empty.
- What counts as an error?
- Anything on your report that is not true or not complete: an account you never opened, a balance you already paid, a late payment that never happened, the same debt listed twice, or someone else's information in your file.
- Which report should I send?
- Your own personal credit report (not a business one), from Equifax, Experian or TransUnion. If you have more than one, send them all: errors often show on one and not the others.
- What if I'm not sure anything is wrong?
- Send it anyway and tell us what worries you. Looking is the attorney's job, and the review is free either way.
How to get your report, free
Turned down recently?
Your notice names the credit bureau the business used. Ask that bureau for your free copy within 60 days of the notice.
Anyone, any time
AnnualCreditReport.com is the official site for free credit reports. Free, once a week, from each of the three nationwide credit bureaus.
Tip: save each report as a PDF before you close the window, and send that. No PDF? Clear phone photos of up to five pages work too.
Source: Federal Trade Commission (opens in a new tab)Questions
Before you send it.
Short answers to what people ask after a no.
In a Federal Trade Commission study of credit report accuracy, one in five consumers had an error on at least one of their three credit reports.
The same study found that five percent of consumers had errors on one of their three major credit reports that could lead to them paying more for products such as auto loans and insurance.
Does a “no” mean my report is wrong?
Not necessarily. A business can say no for reasons that have nothing to do with a mistake. But reports do contain errors. In a Federal Trade Commission study of credit report accuracy, one in five consumers had an error on at least one of their three credit reports. Looking is free.
Source: Federal Trade Commission study, 2013 (opens in a new tab)I never got a notice, or I lost it
You can still get your reports. AnnualCreditReport.com is the official site for free credit reports: you can check your report from each of the three nationwide credit bureaus, Equifax, Experian and TransUnion, for free once a week. Send whichever report you have, and tell us in the form what happened.
Source: Federal Trade Commission (opens in a new tab)Will this hurt my credit score?
No. Asking for your own credit report does not hurt your credit score: checking your own report is not an inquiry about new credit.
Source: Consumer Financial Protection Bureau (opens in a new tab)