Experian / Credit Solutions

Credit bureau information service. A copy of your personal credit report can be requested by phone or the website at no charge if you have been denied credit, employment, or housing in the last 60 days or if adverse action has been taken against you in the last 60 days.. Some state laws require free reports or lesser fees for consumers in their states. Or, consumers can purchase a copy of their credit report and can re-investigate their credit issues at cost.