Step 1: Figure out which consumer reporting agencies to contact.Step 2: Request your credit report from the consumer reporting agency that did the credit check. Step 1: Figure out which consumer reporting agencies to contact. Step 2: Request your credit report from the consumer reporting agency that did the credit check. Book traversal links for I was denied credit, housing, or a job based on my credit history. ‹ Step 2: Review your credit reports. Up Step 1: Figure out which consumer reporting agencies to contact. ›