Yes. If you applied for and were denied credit, the Equal Credit Opportunity Act requires the creditor who denied you credit to tell you the specific reasons for your denial. For example, the creditor must tell you whether the denial was because you have “no credit file” with a Consumer Reporting Agency or because the Consumer Reporting Agency says you have “delinquent obligations.” This law also requires that creditors consider, upon your request, additional information you might supply about your credit history.
If you are denied credit, you can and should obtain a copy of the credit file used in the determination. The address and phone number of the most common companies is here.
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Krumbein Consumer Legal Services, Inc.
5310 Markel Rd. Suite 102
Richmond, VA 23230