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What can I do if I’m denied credit because of something on my credit report?

Don’t panic. By law, you can get a free copy of your credit report within 60 days of being denied credit. Ask the credit grantor who denied you credit for the name of the credit reporting agency the grantor reports to, and request a free credit report from that agency. Review it for clues as to why you were denied. If there are errors, correct them. If there’s negative but accurate information on your report, take steps to improve your bill-paying history and use of credit. 

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