The lender's explanation of why your application was denied will also tell you which credit reporting bureau supplied your credit report.
If you've been turned down, you are entitled to a free copy for up to 60 days. Contact the credit reporting company by telephone to get one.
If you've never had credit and the reason for the denial is insufficient credit history, contacting the reporting bureau won't help you.
After reviewing your report, if you feel a mistake has been made, contact the credit reporting bureau. You have a right to point out any inaccurate information in your credit report and to dispute it. The dispute process is simple—it usually can be done by calling the customer service number given on your credit report.
The credit reporting agency will contact the creditor who supplied negative or inaccurate information about you. Meanwhile the disputed information will be removed from your credit report, but it might be put back on if the lender tells the bureau it is accurate.
If that happens, you have the right to add up to a 100-word explanation to your credit report giving your side of the story. When you apply for credit, lenders may consider your statement.
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The lender's explanation of why your application was denied will also tell you which credit reporting bureau supplied your credit report.
If you've been turned down, you are entitled to a free copy for up to 60 days. Contact the credit reporting company by telephone to get one.
If you've never had credit and the reason for the denial is insufficient credit history, contacting the reporting bureau won't help you.
After reviewing your report, if you feel a mistake has been made, contact the credit reporting bureau. You have a right to point out any inaccurate information in your credit report and to dispute it. The dispute process is simple—it usually can be done by calling the customer service number given on your credit report.
The credit reporting agency will contact the creditor who supplied negative or inaccurate information about you. Meanwhile the disputed information will be removed from your credit report, but it might be put back on if the lender tells the bureau it is accurate.
If that happens, you have the right to add up to a 100-word explanation to your credit report giving your side of the story. When you apply for credit, lenders may consider your statement.