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Topics addressed on October 28, 2009:
Requesting your credit report after your application is denied
How do I get my credit report when it has adversely affected a loan?
When adverse action is taken by a business as a result of information in a credit report, you can get a free copy of your credit report from the credit reporting company that provided the report used by the business.
Adverse action includes things like declining your application for credit, increasing your interest rate, or denying your application for a cellular telephone or utility service.
The business must provide an adverse action notice, which will include instructions for contacting the credit reporting company that provided the report the business used. Simply follow those instructions to get a free copy of your credit report.
The business is also required to provide the factors which most influenced their decision. In many cases those factors are from your credit history. But, in some cases companies consider other factors such as their prior experience with you as a customer or your income. The credit reporting company will not be advised of those factors, which guided the decision.
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- The "Ask Experian" team