Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. You can order a copy of your credit report by calling toll-free at 877-322-8228 or online by visiting www.annualcreditreport.com. RateGenius and any lender who pulls your credit is also required to send a notice of your credit score and reasons surrounding the approval or decline of your auto refinance application. These notices will be sent to you 5–7 business days after a decision on your application has been made, and a copy of your credit score disclosure notice will also be included in your loan package. If you receive a prescreened offer from a RateGenius mailer and you do not submit an application, you will not receive a credit notice.