Thanks to the Fair Credit Reporting Act, you can get a free copy of your credit report from each nationwide credit reporting agency once every 12 months. Just go to annualcreditreport.com to get your free credit report. You can also call them at 877-322-8228 or mail a request to:
Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281
If you're requesting by mail, be sure to complete and send the Annual Credit Report Request Form.
If you've had an application for credit declined, you will have received an Adverse Action notice from the lender. You can get a free copy of your credit report from the agency the lender used to evaluate your application. You can request it within 60 days from the Adverse Action's date. If your application with us is denied, your Adverse Action notice will include contact information to get a copy of your credit report.