How can I get a copy of my Trans Union credit report for instructions on how to receive a copy of your report. If you are rejected for credit, find out why from the creditor. You may be denied credit for various reasons. One example would be not meeting the creditor's minimum income requirements. If you have a negative credit history and need help dealing with your debts, you may wish to contact a credit counseling or family services company.
Debt counseling is provided free of charge.
Counselors will work with creditors to establish a repayment plan that will satisfy both you and your creditors. Immediately report the incident to the police, if it involves stolen identification. Insist on receiving an incident or report number. Immediately report all stolen cards to the issuers and request new credit cards. Also, ensure all companies are provided with written notification.