Translate your reason codes

Resources

Free Credit Report Once a Year

You can obtain a free copy of your credit report once a year from each of the three national credit reporting companies at annualcreditreport.com or by calling 1‑877‑322‑8228.

Credit Score Quiz

To learn more about the importance of credit scores, how they affect your access to loans and the interest rates you pay, and steps you can take to increase your score, take the Credit Score Quiz, developed as an educational resource by VantageScore Solutions and Consumer Federation of America.

VantageScore Solutions

Additional information on credit scores, what they measure (and what they do not), and how your behaviors can increase your score can be found at the VantageScore Solutions consumer website.

Credit Reporting Companies

The three major national credit reporting companies (CRCs) are Equifax, Experian, and TransUnion. These firms collect information about your borrowing and repayment behavior from lenders and businesses that have extended credit to you. This information is compiled into a credit report.

You can obtain a copy of your credit report from each of the three companies for a fee. You are also entitled to a free copy within 60 days of being denied credit from the CRC that supplied the lender with your report.

You may contact each company by clicking its name:

Equifax

Experian

TransUnion

Government Agencies

Several organizations within the federal government provide information about credit reports and credit scores, including the following:

Department of Housing and Urban Development

Federal Trade Commission

Federal Reserve Board

Federal Reserve Bank of San Francisco

Consumer Financial Protection Bureau (CFPB)

Reason Code Video Overview

This educational video shows how reason codes work, how they’re used, and what you can learn from the reason codes you received with your credit score.

 

A HIGHER LEVEL OF CONFIDENCE

Count on the company behind ReasonCode.org for more accurate and consistent credit scores too.

CREDIT SCORING FACT VERSUS FICTION

Visit CreditScoreQuiz.org to take a 12-question quiz and learn how to improve your score.

STAYING IN THE KNOW

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