Answers About Credit Denials
Select from the following questions about the required notifications if you are denied credit.I was denied credit. What information am I entitled to?
Your lender must give you an adverse action notice, which explains the following:
- why your loan was denied;
- if the decision was based on information received from a credit report; and
- the name and address of the credit bureau it used.
The adverse action notice will explain that you can request a copy of your credit report from the credit bureau that provided it. If you believe the information reported is incorrect, you should file a dispute with the credit bureaus. If you aren't sure how to proceed, contact the lender that denied your loan application.
Phone: 800-613-6743
TDD Number 713-658-0340
TTY: (800) 877-8339 (via a relay service)