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What is an adverse action notice?

We understand getting rejected for credit can be a big letdown. But an adverse action notice – a letter explaining your credit application was denied – is also an opportunity for you to take control of your credit and learn how you can improve your credit health. We’ll guide you through it.

As part of the Fair Credit Reporting Act (FCRA), you’re entitled to a free credit report if you got an adverse action notice in the last 60 days. Your credit report is like your financial resume: it lists your full credit history, which was likely a part of the lender’s decision. Make sure all the information listed in your report is correct. Then, make a plan to build your credit health based on what’s in your report so you can set yourself up for future success.

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Adverse Action

Besides reviewing your credit report, be sure to check your adverse action notice for the reason code(s) that tell you why you were denied.

TransUnion’s Role

Lenders alone make the decision about whether or not to give you credit. TransUnion provides lenders the information they need to make their decision, such as your credit report, score and/or alternative data (supplemental information not on your credit report). Even though we’re not the decision makers, we know getting denied is frustrating, so we’re happy to help by getting you your free credit report so you know where you stand and understand what next steps you can take.

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