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How to Get a Free Credit Report After Being Declined
Creditors, employers, insurance companies and landlords often request your credit report from at least one of the credit bureaus—Experian, TransUnion or Equifax—when reviewing your application. If...
View ArticleGetting a Free Credit Report when Application is Declined
Dear Experian, I was denied credit based on a credit report from Experian. Can I order a free credit report online from Experian if I have already used my free annual credit report within the last 12...
View ArticleWhen Can You Get a Free Credit Report?
Dear Experian, If I was denied credit recently, am I able to get a free copy of my credit to see what's on it? I've already had my free credit report for this year. - MJC Dear MJC, The free credit...
View ArticleWhy Would a Mortgage Application Get Denied?
You've found your dream home and applied for a mortgage—only to have your dreams dashed when you discover your application has been denied. A mortgage application denial can be crushing, and can happen...
View ArticleCan People With Excellent Credit Be Denied?
Having excellent credit makes it significantly easier to get approved for loans and credit cards—and with the best rates and terms. But creditors consider a number of factors that aren't part of your...
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7 Things You Should Do if You’re Denied Credit
If you've been denied credit, take action to find out why you were denied and address potential issues with your credit. Unless you make some changes before submitting another application, you're...
View ArticleCan I Be Denied Because of a Lack of Credit History?
Dear Experian, I moved to the U.S. two years ago and have since applied three times for a department store card. Requests got denied because I apparently didn't have a credit score. I also applied for...
View Article10 Potential Reasons Why Your Credit Card Application Was Denied
Getting denied on a credit card application can be a demoralizing experience, but it's nothing you should take personally. There are a variety of reasons why credit card issuers deny applications, and...
View ArticleWhy Can’t My Credit Score Be Calculated?
Dear Experian, I am trying to get a loan and am being denied because your company doesn't have a credit score for me. Why? - LRT Dear LRT, Credit scores are calculated at the moment your credit report...
View ArticleWhat to Do After You Were Denied a Refinance
If your application to refinance your mortgage loan was denied, it's not the end of the line. Depending on your situation and goals, you may be able to get what you need in a different way. If not,...
View ArticleDoes Getting Denied Credit Affect Your Credit Scores?
Applying for a loan or credit card can affect your credit score, but if the lender denies your application, that decision won't have any bearing on your credit health. Here's what you need to know...
View ArticleWhat Is an Adverse Action Letter?
An adverse action letter is a notice that you've been denied credit, employment or even an insurance policy. This notice provides you with information about why you were denied and some helpful...
View ArticleOpting Out Will Not Cause Your Credit Report to Disappear
Dear Experian, I've recently been denied credit because my credit information is either missing or unavailable. Does this have anything to do with the fact that I elected to "opt out" years ago, and...
View ArticleNo Credit History Despite Having Several Open Accounts
Dear Experian, I recently tried to apply for a car loan. They told me I was denied because they could not find any of my credit history information. I have a few credit cards from department stores,...
View ArticleWhat to Do if You’re Denied a Car Loan
Millions of Americans buy cars every year, and many of those buyers take out auto loans to pay for these purchases. In fact, nearly 80% of new vehicles purchased in the first quarter of 2023 were...
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