Since when is it against the law to give you a copy of your credit report? Sounds a bit fishy to me. Though I didn't get a copy of mine when I applied for a mortgage, but I was approved and I didn't ask for a copy. I ordered a 3 bureau report from Equifax a few times prior to applying for a mortgage. Being a victim of identity theft cause me check my credit report every so often to make sure there are no more shenanigans with my SSN going on.