Thanks to the Fair Credit Reporting Act (FCRA), you can get a free copy of your credit report from each nationwide credit reporting agency (Equifax, Experian, and TransUnion) once every 12 months by going to annualcreditreport.com. You can also contact this service by phone at 877-322-8228 or by mail at this address:
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, and you have 60 days from the Adverse Action's date to request it. If your LendingClub application is denied, your Adverse Action notice will include the contact information you can use to get a copy of your credit report.