Who pays for the free credit report that I am entitled too if I am denied credit?
146970
The consumer reporting agency pays, if you are asking this as an either/or. The entity denying credit pays the same fee to the agency whether the rejected applicants request the report or not.
945557
You entitled to an annual report for free from all three credit bureaus.\n\nwww.annualcreditreport.com
201723
You have the legal right as declared by federal law to obtain a free copy of your credit report from each of the major credit bureau's once every 12 months. To request yours, go to www.annualcreditreport.com.
398208
DON'T use freecreditreport.com - it's a bit of scam. \n\nUnder the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free Personal Credit Report in a 12 month period\n\nUse: http://www.annualcreditreport.com.\n\nUPDATE: \n\nBy the way, thanks to Mrs. Thang and Credit Guru for echoing my comments above. There is some bad info in Credit Guru’s answer that I must address. Going to any of the credit reporting company's websites or myfico.com and ordering and paying for what they represent as your credit "score" is another scam the bureaus are using just to get money from you. I have had customers sit at a computer in my office and purchase this report "WITH SCORE" and 3 minutes later, pull a tri-merge credit report for mortgage purposes (what anyone who is going to evaluate your credit is going to do) and the numbers were SIGNIFICANTLY different (in most cases, lower). If you read the fine print in the scored report that they give you, they tell you that the "model used to deliver the score to you [the consumer] may be different than the scoring model given to a company evaluation your credit worthiness." \n\nAND... since each credit bureau has a patent on their credit scoring formulas, they are not legally obligated to disclose to anyone exactly how they came up with the score (nice, huh?). The only information that credit bureaus are required to disclose to you the consumer under the provisions of the Fair Credit Reporting Act is the information REPORTED TO THEM BY CREDITORS (in other words, they are required to tell you [the consumer] that "Chase Visa (or whoever)" is reporting a balance of $xxx, a payment of $yyy and that you've been late 3 times in the last year. They are, however, not required to disclose to the consumer THIER (the credit bureau’s) OPINION OF YOUR CREDIT WORTINESS (as represent by the score they report to the creditor)). \n\nThere is hope though. If you REALLY want to know what your credit score is, go see a mortgage broker and apply for a loan (Applying for a mortgage in no way obligates you to take a mortgage). As a professional courtesy, it’d be nice for you to disclose that “even though you are applying or a mortgage, you’re mostly just interested in your score and may change your mind about the mortgage once you see your credit report.”\n\nThanks to recent changes in the Fair Credit Reporting Act, creditors (ie: the mortgage broker you went to see) who pull your credit for evaluation are no longer prohibited from showing you what they found (which was a shady part of the law in the first place if you ask me!). In fact, we're REQUIRED to disclose to you EXACTLY what your scores are and the range of scores for each repository reported (as well as a lot of other valuable information). This will be your score as creditors see it and THE only accurate representation of how you're being represented by the bureaus to the creditors. \n\nThese are facts and are accurate based upon my experience of helping hundreds of consumers fix their credit and qualify for mortgages. \n\nSorry it's so long but the truth needed to be told.
289213
The ONLY place you should get your free credit report from is  annualcreditreport.com.  I did it recently and they do not ask for a credit card.  This is in accordance with the Federal Trade Commission (see link below).
533997
Yes.  This has happened to me.  I am having a problem right now trying to get some stuff removed from my credit report.  The problem is that there are 3 credit bureaus and they do not share information so you have to contact all three - Experian, Equifax, TransUnion.  Use these sites to get free copies of your reports.\nwww.freecreditreport.com\nwww.annualcreditreport.com
1077961
you can't get your credit score for free, but you can get your credit report for free
1178259
There should be a toll free # you can call next to the yahoo charge in your cc stmt.  Call that # and ask.\n\nIf there is no number provided, call the CC company and tell them you'd like to dispute the charge because you feel that you did not authorize it.  They will reverse the yahoo charges for you temporarily and will contact yahoo for further inquiries.  If yahoo cannot provide them with satisfactory answer, the reversed charge will become permanent so you won't have to pay a thing.  On the other hand, if yahoo is able to provide proof on the charges (that you DID authorize it, what it's for, etc), then the charges will no longer be disputed and you'd have to pay for it... but at least by then you'd know what it's for.
276995
You can't get the credit score. You can get the credit report at annualreport.com for free. If you look at your reports and how the scoring system works, you can get a general idea what your # would be.
783844
Go to http://www.annualcreditreport.com\n\nThis site is TOTALLY FREE -- it won't even ask for your credit card. You can get 1 free credit report per year.\n\nThe federal Fair Credit Reporting Act (FCRA) requires that U.S. consumers be entitled to a free credit report each year. The government’s goal is to make sure that consumers stay informed, fight identity theft, and get fair treatment. This is the government mandated website where you can get 1 free credit report from the 3 agencies for free in one year:
397930
credit reports are given by one of three companies Transunion, Equifax, and Experian. see the source link for your free credit report as provided by federal law.
49348
If you have a creditor that you already owe - they can periodically check on your record but they don't get in depth reports.  You have to give a company permission to pull a credit report on you.  If you don't they don't have the right to do so.  \n\nWhen you get offers in the mail that say you are qualified (not sure if this is what you question has to do with)  but those offers are not based on your total credit report.  It is only based on basic info that is not totally private.  It is a prelimiary kind of credit worthiness they look for.  Like maybe if you fall within a certain group (with a certain fico score or something) they will send you offers just incase you are interested in them.
37779
Yes you can. In a few weeks, the company that denied you credit will send you a written notice with the reason for your decline. It will list the specific credit bureau used in making that dedcison. You can then use the internet or call to get a free report.\n\nThe fact that you tried to get credit, does appear on your report. Your access does not alter your profile and it is not visible to potential lenders if you access your report.
1127393
Check you credit report\n\nget a free on on www.annualcreditreport.com
134340
Nothing is free theses days. Freecreditreport.com advertises a free credit report but you have to commit for a contract. You can cancel any time though but if you forget to do so, they will charge their fee for monitoring your credit.
1044109
you will be charged a late fee. It 30 days it will go n your credit report
833442
and how will they collect?\n\nThey can't.\nAnd if you don't pay--they get stiffed--and I would let them cook..\n\nIt's going to be on your credit anyway.