[x0x0]

Free credit reports don't include FICO scores, and come with various other drawbacks, such as a lengthened time for the CRAs to respond to disputes.

The CRAs don't send a letter after negative action, the company who chose to grant or not grant credit does. You are entitled to a free report; however, it can be a pain to get when the company from whom you requested credit is small.

[Broken_Hippo]

Ah, ok. Well, in that case, it is only a half-good law and not really helpful. Thanks for filling in the details for me.