You will get a free credit card score if an individual denies your application for credit. If the individual has complains from the employers, insurance companies or mortgage lenders, then an individual will receive a free credit card report. However the request for the credit card is valid within 60 days of the receipt of the notice produced by the credit card company. If there is any anomaly in the identity of the individual, then a fraud alert will be attached to your file. There are instances when the credit card gets lost and someone else other than the individual uses the credit card. However if there is discrepancy in the report, you will get free instant credit card report. If there is any dispute regarding the usage of the credit card, you can ask for the report and you will get it within a few hours. If you are part of the public welfare assistance group then you will allow any individual to have a free credit card score. If you are unemployed and apply to any firm within 3 months, you can receive the free credit card score. To know about the details you can simply log on to http://www.howtoestablishgoodcredit.com.