When a company runs my credit am I entitled to the report?

I just applied for a loan with my credit union. Although we were approved I wanted to see what my credit report said. I was told they can't give out that information (even though it was my own credit!). I thought I had heard that anytime someone runs my credit I'm entitled to the results. I live in California. Is this true?





Here's another caveat, my credit union has no branches in California. I believe the loan was handled in their Oregon branch. If some states do have a law that requires the company to allow me to see my credit report is the law of the consumer's state enforced or the branch's state?





Thanks!

When a company runs my credit am I entitled to the report?
I think its only if u were truned down.. and u can always get a copy from www.annulcreditreport.com and happy for u..
Reply:If during the course of your loan transaction, you paid a fee for your credit report, then YES you are entitled to a copy of that report.
Reply:You are correct in that, when you apply for credit, you are notified by letter and, or in person, of the creditors decision to accept or deny you credit, based on your credit score. However, if you are approved and want to obtain a copy of your credit report, it will cost you. If you are turned down, you are entitled to get a copy of your credit report from all three major credit reporting agencies, for free!
Reply:The credit union pays for your report and they are not obligated to give you a copy, however you are entitled to a free copy from the credit report agency since your credit was pulled. You would need to contact them to receive a copy.
Reply:They are not required to show you the credit report at all. I don't beleive there is any state that gives you that right if you were approved. However, no matter what state you live in if you were declined they are required to send you a letter as to the reasons why. You then can send that letter to the Credit Reporting Agency that they got the information from and the agency will send you a free copy.





You can also go to http://www.annualcreditreport.com to get your credit report for free. You are allowed 1 per year from each of the 3 agencies(TransUnion, Experian, Equifax)

lilac