ChrisFL Posted October 7, 2005 Report Share Posted October 7, 2005 Odd question, but do I just write to them and say "You pulled my credit, please send me a copy." or what? It's been about 3 weeks since they pulled it. Link to comment Share on other sites More sharing options...
AaronE Posted October 7, 2005 Report Share Posted October 7, 2005 where you denied? if so they have to send you a letter with instructions on how to get a free copy of your report. Link to comment Share on other sites More sharing options...
ChrisFL Posted October 7, 2005 Author Report Share Posted October 7, 2005 Nope. I'm just curious, I wanna see a copy of what they saw. Am I asking too much since I got approved? Link to comment Share on other sites More sharing options...
captain_nick Posted October 7, 2005 Report Share Posted October 7, 2005 You're always entitled to look at your credit report.IF you were denied in the past 60 days, then you are entitled to a FREE credit report from any of the three credit bureaus.Just call their 1-800 numbers, you can get a free report through the automated system. Link to comment Share on other sites More sharing options...
Ahntara Posted October 7, 2005 Report Share Posted October 7, 2005 The FCRA says that the consumer is entitled to the information in their report. It doesn't say that a user of reports has to provide you with the one they pulled.1681e, Subsection 607© "Disclosure of consumer reports by users allowed. A consumer reporting agency may not prohibit a user of a consumer report...from disclosing the CONTENTS of the report to the consumer, if adverse action...has been taken by the user..."1681g, Subsection 609© "Summary of Rights to Obtain and Dispute Information in Consumer Reports...(i) the right of a consumer to obtain a copy of a consumer report...FROM EACH CONSUMER REPORTING AGENCY..."Creditors comply with this by providing the written notice explaining how, and where they got their data (the CRA's). The consumer is supposed to follow up and obtain their copy from the CRA's, not from the creditor.The user uses their electricity, equipment, paper and personnel to pull a report for their business needs. The physical report belongs to them and they are contractually bound not to provide reports to consumers for informational purposes (they don't qualify as re-sellers of reports under the FCRA). But the information is about you and you are definitely entitled to it. Instead of asking for a copy, why not ask to read it, at their convenience? They might allow you to copy some things on another sheet of paper, or they might refuse and direct you back to the bureaus. Link to comment Share on other sites More sharing options...
Recovering Attorney Posted October 7, 2005 Report Share Posted October 7, 2005 Your Florida laws may insist they give you a copy. In NYS, the puller has to tell you when they do so and offer a copy if you ask. Besides, it is good customer relations. Why wouldn't they give it to you? Link to comment Share on other sites More sharing options...
Recommended Posts