John Cole Gayle, Jr., Esq. & Ian Edward Vance, Esq.Protecting and fighting for consumer rights
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Was I denied credit because of a bad credit report?
If you applied for and were denied credit, the Equal Credit Opportunity Act requires creditors to tell you the specific reasons for your denial. For example, the creditor must tell you whether the denial was because you have no credit file with a Consumer Reporting Agency or because the Consumer Reporting Agency says you have delinquent obligations. This law also requires creditors to consider, upon request, additional information you might supply about your credit history.