If you have been denied credit, insurance or employment within the last 60 days, you have the right to obtain a credit report free of charge .
Fees vary by state.
Contact each credit bureau for exact costs. Experian National Consumer Assistance Ctr. Also included is free customer advisory hotline assistance. It can be ordered by phone, mail, internet, or fax. Repairing a credit report usually requires a written explanation about why a particular account wasn't paid or was paid late.