In part 1, we covered the basics about credit scoring ? what it is and how it is calculated. It?s time to address the critical question ...
What happens if you are denied credit or don?t get the terms you want?
The Equal Credit Opportunity Act requires that the creditor give you a notice either with the specific reasons your application was rejected, or stating that you have the right to learn the reasons if you ask within 60 days.
NOTE: Indefinite and vague reasons for denial are illegal, so ask the creditor to be specific.
If you were denied credit because you are too near you credit limits on your charge cards, or you have too many credit card acccounts, you may want to reapply after paying down your balances or closing some accounts. Credit scoring systems consider updated information and change over time.
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You also can be denied credit because of information from a credit report. If so, the Fair Credit Reporting Act requires the creditor to give you the name, address and phone number of the credit reporting agency that supplied the information. You should contact that agency to find out what your report contains.
NOTE: This information is free if you request it within 60 days of being turned down for credit. The credit reporting agency can tell you what?s in your report, but only the creditor can tell you why your application was denied.
If you?ve been denied credit, or didn?t get the rate or credit ter
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