If you were denied credit within the past 60 days, here is the way to
get
your free credit reports from these three credit bureau:
Equifax: https://aa.econsumer.equifax.com/aad/landing.ehtml http://bit.ly/f0KDhv
Transunion: http://bit.ly/i69cvI
Experian: http://www.experian.com/reportaccess/
PS: 根据我的个人经验,第一次申请某些公司的信用卡时,有可能查三家。我第一次申请CITI和
AMEX
的时候就是这样,共花了6个hard pull. 有了第一次以后,信用卡公司慢慢就有了偏好,对我来
说,
CITI和AMEX偏好查Experian, Chase偏好查Equifax, Discover的第一次则是查了
Transunion.
根据我自己的hard pull统计,transunion是三大信用局中被查得最少的,只有equifax和
experian的一半。