Whenever a debtor’s application for credit is denied, the credit issuer is required to give the debtor, on request, a copy of any credit report that was used in making the decision.  Otherwise, debtors can obtain their credit reports for the major credit bureaus.  The government has now required the major credit bureaus to provide all person one free copy of their credit report once a year.  They have provided a website at www.annualcreditreport.com  to obtain this free credit report.  The heavily advertised website www.freecreditreport.com requires that you sign up for services with them for a charge to get your credit report.  Do not use this site.
If there are errors in your report, such as incorrect social security number or the listing of a debt that is not owed, the debtor should make a request for correction in writing to the bureau, enclosing copies of any documents that would establish the correct facts.
For further information on this issue or to make an appointment with John Rogers, Attorney at Law, to discuss your financial situation with a free, no obligation consultation, contact us by email at johnrogers@glasgow-ky.com or toll free at 1-888-651-9353 .