Get Help and Advice With Credit Reports Online. You can get copies of your credit reports online from Experian and Equifax. You can also pay to get them sent to you, or you can opt to get a copy if you are denied credit at any time. Usually when you are refused a loan you’ll see who sent the report and you’ll also see information on how long you have to request a copy of your credit reports. If you are refused credit, you should really do this so that you can find out what’s going on. a refusal for credit could be a bit of a shock to you.