Free online Experian reports after credit decline – adverse action – insurance rating

I recently switched my insurance provider and was notified that I did not receive the lowest rate due to my credit provided by Experian.  So I decided to get my FREE Experian credit report and after some research, found that I could order the credit report ONLINE.

Almost everybody qualifies for free reports upon insurance renewals as very few people get the very best rates.

Below are the detailed instructions for ordering and what NOT to do.

First I searched online at their website and they stated that you have to order a snail mail report by telephone:

Check Credit Report

Qualifying for Discounted or Free Credit Reports

You may be eligible to receive a discounted or free credit report if you meet one of the following conditions:

  • Your request for credit, insurance, employment or rental housing was denied based on information received from Experian, and you contact us within 60 days of the denial.
  • “Adverse action” was taken against you based on information in your credit report (for example, your interest rate was raised or your credit limit was decreased). The name of the credit reporting agency that provided your credit report and how to contact the agency for a copy will be provided by the company that declined your credit application or took adverse action.
  • You reside in a state where laws require credit reporting agencies to provide their residents with a free or discounted report each year even if they are not denied credit.
  • You certify in writing that you are unemployed and seeking employment or receive public welfare assistance.
  • You have reason to believe your credit file contains inaccuracies resulting from fraud.

To confirm your eligibility and request your free or discounted copy of your credit report delivered by U.S. mail, please call 1 866 200 6020. If you would like immediate online access to your Experian credit report and score for only $14.95, …

Of course they want people to PAY for the reports instead of waiting weeks for snail mail reports and that’s why they don’t tell you that you CAN get your FREE report online.

I called 1 866 200 6020 and eventually got to a recording, informing me that I could get the FREE report online.

* If you have been declined credit, employment or insurance, or experienced adverse action, or if you received a notice that the terms of credit offered to you may be less favorable than the terms offered to consumers who have better credit histories, you may qualify for a free report.

  • Click on “Get my report now” and you should arrive at a form to complete.

Of course you have to provide your personal info and address, but Experian also tries to trick you into providing your employment info.

  • Do NOT provide your employment info.

Credit bureaus make MOST of their profits helping creditors and collectors COLLECT.

Of course they want your current employment info!

Since NO personal data is utilized in credit scores, it is best NOT to show any employment information on credit reports unless you are certain that you will NEVER have financial problems.

Since this is the free report, you need to provide the name of the business that ran your credit and the date you were notified, not longer than 60 days ago.

On the next screen they will try to sell you more of their useless services such as credit monitoring.  You only need credit monitoring if you’ve been battling collectors and are about to buy a house.  You can get new reports with your REPORT NUMBER for about 3 months.  And you get a new report number every time you get credit dispute results.

  • Do NOT buy their Vantage score!

Please read Credit Scoring Basics for more info on FAKE credit scores and why you need the FICO scores if you want to buy a house.

Skip the advertisements and simply order the FREE report.

  • You will have to answer the SECURITY questions before you receive the report.

Don’t worry if you don’t recognize accounts, addresses, etc.  “NONE OF THE ABOVE” is often the correct answer.

I hope this post will help many readers save a few dollars and please donate a few dollars to support this site.

Please submit a comment with questions or problems getting your FREE reports.



4 Responses to “Free online Experian reports after credit decline – adverse action – insurance rating”

  1. Thanks, I just gave this a try and it worked like a charm!

  2. I resently applied for truck loan on a 2007 f-150 that was a great deal for 10,500. My bank went through Experian to investigate my credit. I was quickly denied the loan to my disbelief and I’m highly upset, still! My bank is first national bank, Texas /First convenience bank, San Angelo, TX. I filed bankrupt in 1997 and have no debt since. I have been with my bank for over 5 years and feel like I was kicked to the curb. I have never been denied a loan in my life. I have bought 3 houses and 5 cars in the past. Is there anything I can do? Thanks Rickson Thomas

  3. If you were denied due to your Experian credit report, get your FREE report at http://www.experian.com/reportaccess/.

    Make sure you SAVE the report and the report # because you can get free new reports for the next 3 months with the report #.

    Obviously, make sure nothing incorrect is on the report and of course talk to your bank. They CAN tell you why exactly they declined your loan, whether they used a credit score, etc.

  4. Experian Free Credit IS A SCAM, horrible people, horrible business, they post ads on craigslist of fake roommates and then ask for a credit report using their site, major Karma to these people will be coming. Sad that money is more important to them than doing the right thing.

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