Most people aren’t aware that, as a consumer, you are allowed to get one free credit report per year. The government has instituted a law that allows you to free access to your credit report. You do not have to be turned down or even apply for anything. You simply go to the site, referenced with this article, and you fill in your information. The report usually stays open for about 30 days though you can keep it open longer if you have anything to correct or dispute.

Alternatively, if you were denied a credit line you may also contact the company that denied you to receive your free credit report but you are still entitled to one free report per year.