For several years, credit bureaus have been required to make your credit report available for free whenever a business denied your application because of your credit history. Now, you’ll have access to your credit score in many of these same cases. Businesses are now required to send you a notification if you’re denied or approved but with less favorable terms. For now, the lender can choose to include a free credit score with this notice, but starting July 21, 2011, the lender must include your free credit score with adverse action notices. That means you’ll get access to your credit score whenever your score is used against you in an application.
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