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isn't there a way to get a free CR online for declined credit?


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Seems like a few years ago I was able to go online to get the CR and there was a place that asked if you have been denied credit in the last 60 days (or whatever) and if yes I am sure they checked your inq and you got a free report. I have a declined credit letter from Hooters for TU and also a letter from geico saying my rates would have been better if my score was better. I went to the TU website and can't figure out how to check for free...am I missing something? I know I can send it in snail mail but really was'nt wanting to wait that long if I don't have to.

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Seems like a few years ago I was able to go online to get the CR and there was a place that asked if you have been denied credit in the last 60 days (or whatever) and if yes I am sure they checked your inq and you got a free report. I have a declined credit letter from Hooters for TU and also a letter from geico saying my rates would have been better if my score was better. I went to the TU website and can't figure out how to check for free...am I missing something? I know I can send it in snail mail but really was'nt wanting to wait that long if I don't have to.

Not sure if TU has that option on-line. You would have to send it in writing if you want a report based on a denial. You can however, log onto TU to dispute a TL and that will generate a new report that you can print.

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on the transunion homepage, there is a sub-section on the bottom which says More for Cosumers click on the FACT ACT link, it will pop up a new webpage. In the middle of that page there is a hyperlink says click here to learn more, click on that. It will than give you another webpage just follow the steps from there..... Hope this helps.

for equifax use equifax.com/fcra

for experian use experian.com/reportaccess

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