I was denied a credit card recently due to something on my credit report. Can I get a copy of my credit report without paying for it?

Yes. While you are entitled to a free report every year from the three major credit agencies, you are also entitled to a free report when you receive a credit, employment, or insurance denial letter. You should receive a notice of this right after the denial.  You must ask the reporting agency (as noted on your denial) within 60 days of the notice.

Kellam T. Parks
Managing Member of Parks Zeigler, PLLC