You were turned down over a report, and nobody named the company that wrote it.
Three questions, answered entirely in your browser — nothing you click here is sent to us or anyone else.
1) Ask in writing who supplied the report (they must tell you). 2) Request your free copy from that company — free after any denial. 3) Dispute anything inaccurate in writing with evidence; they must investigate, typically within 30 days. Full steps: find your situation.
Disputes fix errors. They don't erase history that's true — accurate records survive investigation. If the record is real, what helps is settling and documenting it, second-chance programs, and time. We built this site for honest people hit by wrong records.
You have your dates. The three letters come next, free to read and copy on this site. The dispute to the screening company, the request to the party still deciding, and the correction at the source of the bad data are written out in full, with the evidence each error type needs — free to read, no email asked for.
Read the three letters and the evidence checklist →
Written and answered by Andrew at Axion Labs — hello@getaxionlabs.com. Nothing on that page is for sale and no page on this site asks for an email address.Free, and it stays free. Nothing on this page sits behind a payment, an account, or a form — and we never ask for your name, your Social Security number, or your case. The tools here run entirely in your browser; we never see your answers.
The most reliable source is always your denial letter — they are required to name the company after an adverse action. If yours did not, the three questions above narrow the field.
| When | What happens | Whose move |
|---|---|---|
| Day 0 | Adverse action — you are denied, or offered worse terms, because of a consumer report. You must be told this happened and told which company supplied the report. | The landlord, employer or bank |
| Days 0–60 | Request your free copy of that report from the screening company. Federal law says within 60 days of the adverse action. It is the actual report, not the landlord's summary. | You |
| Day X | Read it line by line against your own records and dispute every inaccurate item in writing, with copies of your evidence attached. The dispute is free. | You |
| +30 days | The screening company is generally required to investigate and to correct or delete what it cannot verify. Typically 30 days from receiving your dispute. | The screening company |
| +45 days | The same, extended, where you supplied additional information during the investigation. | The screening company |
| After | If they verify something you know is wrong: add a statement of dispute to your file, complain free to the CFPB at consumerfinance.gov (companies must respond), and to your state attorney general. | You |
Every step above is free. Anyone charging you to exercise these rights is selling you a letter you can write yourself.
Where these dates come from, so you can check them yourself rather than take our word for it. 15 U.S.C. §1681j is the free-copy section: it gives you the report without charge if you ask within 60 days of the adverse-action notice, and one free file disclosure every 12 months besides. 15 U.S.C. §1681i is the dispute section: the screening company gets 30 days to reinvestigate, extended by up to 15 further days — 45 days in total — if you send relevant information while it is running. 15 U.S.C. §1681m is the notice section: the adverse-action notice you were sent is required to include an indication of that 60-day period. Plain-English versions of the same rules: FTC, free credit reports and FTC, disputing errors on your credit report.
The clocks are fixed: 60 days from the adverse action to request your free report copy, then 30 days for the screening company to conclude a dispute investigation — 45 days if you send additional information while it is running. Put the date on your denial letter in and get the actual dates.
Runs entirely in your browser — the date is never sent to us and never stored. General information based on FCRA consumer rights as explained in FTC and CFPB guidance, checked 2026-09-06. Your denial letter and the agencies' own pages govern your case.
Whichever way the three questions come out, you leave knowing the part that does not change: a company you can name wrote the report, it owes you a free copy after a denial, and your own notice is required by law to carry its name.
Likelihoods are based on which companies dominate each screening category in public records and industry use — not a statement about your specific case. Your denial letter is the authoritative answer. General information, not legal advice.
Thank you. That goes straight to the person who writes these pages.
That didn't send — try once more.