If you have ever used a major credit card, you probably have a record at a consumer reporting agency, often called a credit bureau. This record allows creditors to check your payment history before they give you credit. If you have been denied credit because of information supplied by a credit bureau, the Fair Credit Reporting Act requires the creditor to give you the name and address of the bureau. If you contact that bureau within thirty days of receiving a denial notice, the agency must provide you with a copy of your full credit report, free of charge.