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I was recently turned down by a CreditCard company (it was the AMEX rebate card that I posted about before (if anyone remembers)). Now I can get my free credit report. (Yippee.. I guess).

What do I have to do to get the freebie from equifax (or any CRA)? I could mail them with a copy of my rejection letter. Or maybe they already know I was turned down and if I contact them they will know that I'm entitled to a free one?

Best case scenario would allow me to access it through their website because I'm looking for quick access but I didn't see anything there that I didn't have to pay for.

I'm looking for the solution that will get the report in my hands (or on my screen) the fastest. This is really bugging me.

FYI: For those of you involved in the "apply for a card to get a free report" discussion: The rejection sucks just enough for me never to apply for another card I feel I'm not quite qualified for.

FYI (take 2): It showed a delinquency on my report but when I got a pseudo-report from eloan (both using equifax) a few weeks ago there wasnt any mention of it. I know I have a 30 day late or two in my past (3-4 years ago) but I assumed from the eloan report that it was gone. Guess not. Or maybe there's an error! Or maybe its gone from soft-queries but not from hard-queries.
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