re: Credit report mortgage inquiries

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By law if you are denied credit, the 3 major reporting agencies have to supply you with a free report once a year. Not just because you want one. If you are denied, usually, the company is going to supply you with a TD letter that states your scores, and gives you basic information. The people who are the worst at selling your information and privacy violations are the credit bureaus. Watch, if you applied for a mortgage in about 30 days you will start getting all kinds of solicitations from all sorts of groups, companies, etc. Your score dictates who you get sold to.

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By law, since about 10 years ago, the 3 bureaus are obligated to give you one free report a year upon request not just if you're denied credit. All you have to do is go to AnnualCreditReport.com.

Oh, and to stop the credit solicitors from sending you all kind of junk mail, you can go online and "opt out" of unsolicited offers.