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Yes. In fact, if you are denied credit based on something in your credit report, you have a right to a free copy of the credit report that shows the unfavorable information. There should be a procedure in the denial telling you how to get the copy of the report.

Additionally, credit reporting agencies are required to provide one free credit report annually. Since there are three different credit reporting agencies, I recommend that you request one every 4 months, and cycle through them.

Check out http://www.annualcreditreport.com/.

Don't be taken in by the credit monitoring services that cost ten or twenty dollars PER MONTH like "freecreditreport.com", which is anything BUT free.

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โˆ™ 2009-08-08 01:48:38
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Credit and Debit Cards

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The law is derived from three main sources what are they

If there is an erroneous payment then

These funds last 5 years have limited use and cannot pay for new obligations

How do you know which transactions are awaiting your approval

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Q: Is it OK to check your credit report after you've been denied a credit card because of your credit history?
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Related questions

Does getting denied for a loan affect your credit?

You were probably denied your loan application BECAUSE of your credit rating. It should be possible to find out what your credit report says about you - see the link below.


JOHN's loan application was denied because of information contained on his credit report. john is not entitled to what.?

triple damages from the credit reporting agnecy if there are any inaccuracies in his credit report


Does being denied for credit lower your credit score?

Yes. It is reported on your credit report.


Where can one get a credit history report?

There are many ways one can get their credit history report. Among them are the Annual Credit Report, Free Credit Report, Credit Karma, TransUnion and more.


When are the consumers entitled to a free credit report from a credit bureau?

When you have been denied credit or annually.


Will a cosigner's credit history appear on your credit report?

No


Who can report credit history on your credit report?

In the United States, any institution that extends to you some form of credit can report to the credit bureaus.


How often are you entitled to a free credit report?

You are entitled to a free copy of your credit report once a year. But you may also receive your credit report for free if you were denied credit or employment within the last 2 months.


What is the meaning of a credit report?

a credit report indicates your history of generating and paying debts on time.


If you get denied for a loan will that show up on your credit report?

Yes and too many bring down your credit score.


Letter to Request a Credit Report?

Get StartedIf you have been denied credit or if other adverse actions regarding your credit have been taken based on your credit report, you may want to obtain a copy of your credit report and verify the information contained in it.The purpose of the Request for a Credit Report letter is to assist you in obtaining a copy of your credit report, particularly if you have been denied credit, employment or insurance within the last 60 days. The credit report tells how you have managed credit in the past and companies examine your credit report before deciding whether to give you new credit. You can request a copy of your credit report by sending a letter to a credit reporting bureau.When you receive your credit report you should carefully review it. You have the right to respond to a negative entry on your report, to have errors corrected, or to have your response made part of your credit report.


Will your last name show misspelled in your credit reports if you misspelled your last name in a credit card application but the application was denied?

If your credit card application was denied, you do not have a credit card. You are not in the credit company's system. Therefore, you will not receive a report.


Do felonies show on credit history report?

no


Is a credit report the same as a credit score?

A credit report tracks your credit reliability based on your history of making payments on your loans and other debts. A credit score is a numeric value based on a weighted formula and your credit history. To find out more on both your credit report and credit score go to http://cashmoneylife.com/credit-score-credit-report-difference/


Is employment evaluations included on your credit report?

No, they have are not relevant to your credit history.


What is meant by a credit report?

A credit report is a type of service that many different companies provide. A credit report means to allow a consumer to check their credit and spending history.


If you have good credit history with some credit cards will they still show that on your credit report and that you paid on time after filing chapter 7?

It depend on the individual credit card companies if they report on your credit history or not, like some department store credit cards may not show on a credit report


What is a credit report and a credit score?

A credit report basically contains information about your credit history, whereas Credit score is a number which is generated on the basis of your credit report. Score totally depends upon one's credit record, if history is good, credit score will be high. I always check my credit score free at Freecreditscore.com.


If a foreigner have had a bad and unremoved credit report in USA can his USA entry be denied at the airport?

yes


Is there a free website where I can access my credit report history?

Yes there are several websites that you can use to access your credit report for free. Be careful to access the ones that are valid or well known such as: http://www.equifax.com/credit-report-history/.


Does the AchieveCard report to credit unions?

No, AchieveCard does not report to credit bureaus because there is no credit issued with this card.


Will an inquiry on a persons credit report lower their credit score rating?

Yes, each inquiry lowers your credit score. You can pull your own credit report for free at www.freecreditreport.com from all 3 credit agencies and it does not affect your credit score. Also if you have ever been denied credit for any reason, you can request a credit report for free.


If you have an unpaid credit card in another country what conditions must apply before they can they report the debt to your US credit report?

CRA's in the US, report the credit history of transactions made only in the US. Therefore credit history from another country would not show up on a report in the US. This does not prevent a prospective creditor from requiring confirmation of the person's previous credit history.


What is the purpose of credit report check?

The purpose of a credit report check is to check how a person manages their credit obligations and if they have any history of not paying. If one has bad history then it is more of a risk for a company to give that person credit.


What does the law say about obtaining a free credit report?

in most states you are entitled to a free copy of your report one time per year, or if you have been denied credit by a potential creditor.