2 months ago i got my free credit reports online...

[Ryl3x]

this was prior to my discharge.

About 1 month ago i applied for credit and was denied. I have a letter from them saying im entitled to a free credit report. Now that my discharge went through i want to pull my latest report using this letter.

I checked all over experian and equifax and i cannot find where i can get my free report when being denied. They all keep pointing me to the free report site which i already used a few months back.

Any advice?

[magyar123]

Carefully read the denial letter over. Wherever they listed the credit reporting agencies that they relied on, they should have also noted their addresses/phone numbers. If not, then call up the outfit that turned down your application and ask them about the cras' addresses.

[Ryl3x]

ok thanks. It shows all 3 agencies with phone numbers. Ill give them a call.

[magyar123]

ok thanks. It shows all 3 agencies with phone numbers. Ill give them a call.

.

If it also shows their addresses write them:
To whom it may concern:
ABC (or whoever) turned down my application for (whatever you applied for).
They listed you as the credit reporting agency on which they based their decision.
By law I am now entitled to a free credit report. Please send me one.
yada, yada, yada.

and make copies of the denial letter & send it along with your letter.

They have to have a letter from you and the denial letter. They will not send you anything for free if you just call them.