Check your credit

You can get a copy of your credit rating for a small fee (usually $8.50) or free in some states. The information must be supplied at no cost if you recently have been turned down for credit. Requests should be made in writing to:

Equifax
PO Box 740241
Atlanta, Ga. 30374
Or calling 1-800-685-1111

Experian
PO Box 949
Allen, TX 75013
Or calling 1-888-397-3742

Trans Union
West Sproul Road
PO Box 390
Springfield, Pa 19064
Or calling 1-800-888-4213

Equal Credit Opportunity Act requires creditors to tell you the reason you were rejected (if you ask) for 60 days after being denied credit.