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I was denied credit. What information am I entitled to?

In most cases, the lender must give you an adverse action notice, which explains why your application was denied or how to receive a statement of the specific reason(s) as to why your application was denied.

If the lender took adverse action based on information contained in your credit report, the notice must also include the following:

  • A statement that the decision was based on information received from a credit report.
  • The name, address, and phone number of the credit reporting agency it used.
  • Notice of your right to request a free copy of your credit report from the credit reporting agency that provided it.
  • Notice of your right to dispute the accuracy or completeness of any information in your credit report.

If you believe the information in your credit report is incorrect, you should file a dispute with the relevant credit reporting agency.

Refer to 12 USC 1681 "Fair Credit Reporting Act" for more information.

Last Reviewed: April 2021

Please note: The terms "bank" and "banks" used in these answers generally refer to national banks, federal savings associations, and federal branches or agencies of foreign banking organizations that are regulated by the Office of the Comptroller of the Currency (OCC). Find out if the OCC regulates your bank. Information provided on should not be construed as legal advice or a legal opinion of the OCC.

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