These are the links to get the free reports from the CRAs due to declines/adverse action or what not:
Qualification is as follows:
. Within the last 60 days, you have received an adverse action notice based on information from your credit report, such as:
Denial of credit, or other unfavorable action affecting a credit application or account.
Denial of insurance, or other unfavorable action on an insurance application or policy.
Denial of employment, or other unfavorable action affecting current employment or an employment application.
Denial of, or other unfavorable action affecting, a government license or benefit.
Denial of, or other unfavorable action on, another transaction or account, such as an application for an apartment or utility service.
. You are experiencing one of the circumstances below.
You are unemployed and plan to seek employment within 60 days.
You receive public welfare assistance.
You have reason to believe your credit file is inaccurate due to fraud
The various CRAs tend to hide the free online access. For example, the Equifax tries to convince you to buy it or that it's only accessible through mail.
Here are the links:
(contrary to URL, this is NOT the free annual one)
(Click 'Get my Report Now')
(Equifax will constantly add on things and try and get you to buy something. Be sure to uncheck the things that require payment)
All of them require verification of some form, usually a series of questions, and I think TU requires you make an account if you don't already have one.
Enjoy, and use responsibly!
Update: pdf file of all CRAs as of May 2015:
201501_cfpb_list-consumer-reporting-agencies.pdf 475.66KB 43 downloads
Edited by breeze, 01 June 2015 - 09:24 PM.