HOW TO OBTAIN YOUR CREDIT REPORT

If you have been denied credit, insurance, or employment because of
information that was supplied by a credit reporting agency, the Fair
Credit Reporting Act requires the report recipient to give you the name
and address of the credit reporting agency that supplied the information.
If you contact that agency to learn what is in your file within 30 days of
receiving the denial notice, your report is free.

If you simply want a copy of your report, call the credit reporting
agencies listed in the Yellow Pages under "credit' or "credit rating and
reporting."  Call each reporting agency listed since more than one agency
may have a file on you, some with different information. You may have to
pay a reasonable charge for each report.