What to do if you’re denied credit

Each credit-granting organization reviews the information provided by the credit-reporting agency and makes an independent decision based on its own individual criteria.

If an account or business transaction is held in joint custody, or if you have cosigned with someone else on a loan, both parties are held equally responsible.

Sometimes, a credit grantor will deny you credit.

If you think the reasons for the denial are valid:

If you are not sure whether the reason for the denial is valid:

If you believe the reason for the denial is invalid and that the creditor has discriminated against you:

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