On XX/XX/XXXX I applied for credit at XXXX through Bank of America and was denied credit. The reason for the credit denial was I have current or past delinquency with XXXX or more of my creditors. I requested a credit report through XXXX, the same agency they used to deny me credit and there was NO negative info. I filed a chapter XXXX in XX/XX/XXXX, but its been XXXX years and I do n't see the negative info in my report. 
