Free Credit Report After Being Declined

CAPS - Report Access
Dear Experian,

I have been denied credit. Can I get a free copy of my credit report?

- KHO

Dear KHO,

The Fair Credit Reporting Act provides for a free report if you have had adverse action taken, which includes having an application declined, but only from the credit reporting company that provided the report the lender used in making the decision.

The lender must give you instructions for requesting your credit report from that particular credit reporting company. Those instructions are usually included with the declination notice.

If an Experian credit report was used, you can request your free report at www.experian.com/reportaccess/. Simply click on the "Get my report now" button and follow the instructions.

Thanks for asking.
- The "Ask Experian" team

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.