If you’ve been denied credit in the last 60 days — you are entitled to a free copy of your credit report from the bureau the lender used to make that decision. It doesn’t matter if it was a mortgage, a car loan, a credit card, or any other form of credit. Under 15 U.S.C. § 1681m, the lender is required to notify you of the adverse action and tell you which bureau they used. Under 15 U.S.C. § 1681j(b), you are entitled to a free copy of that report within 60 days. Don’t guess. Don’t assume. Pull your report and know exactly what’s working against you. Documentation beats convenience. Every time.