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What if I’m turned down for credit?
If you have been turned down for credit, the Equal Credit Opportunity Act (ECOA) gives you the right to obtain the reasons why within 30 days. You are also entitled to a free copy of your credit reports within 60 days, which you can request from each of the consumer reporting agencies. If a FICO® Score was a primary part of the lender’s decision, the lender may use the key score factors or reason codes to explain why you didn’t qualify for the credit.