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If the company that denied your application only requested one of your credit reports, you'll be able to get a free copy of your report from the same bureau. For example, if the creditor used your Experian credit report, you can use the Experian Report Access page to request a copy of your credit report.

You must be informed in writing why you were denied a credit card or loan. If the letter you receive doesn't say why you were denied, it must tell you of your right to be given the specific reasons for denial if you request it. You should always request this information.

Apart from stating why the application has been denied, the report should also contain some other information. Some of the most important pieces of information that must be included in one of these letters are: Name, Address, and Phone of the consumer reporting agency. The credit score that was used.

The Minnesota (MN) state sales tax rate is currently 6.875%. Depending on local municipalities, the total tax rate can be as high as 8.375%. Minnesota sales tax may also be levied at the city, county, school, transportation and SPD (special purpose district) levels.

All payments for prewritten computer software are taxa- ble, including those billed on a periodic basis (i.e., weekly, monthly, yearly), or on a per use or per hit basis. A multiple-use license for prewritten computer software is taxable. A custom computer software program is not taxable.

Custom software delivered electronically is NOT taxable, while prewritten computer software delivered electronically is taxable. Note: Prewritten software delivered electronically to a business is exempt under certain conditions.