 TITLE: Can People With Excellent Credit Be Denied? CONTENT: What Happens When You're Denied Credit?\n---------------------------------------\nApplying for a loan or credit card can have a temporary, small negative impact on your credit scores when the lender checks your credit, but being denied does not hurt your credit at all—or even appear on your credit report.\nIf your application for a new loan or credit card is not approved, you'll have the opportunity to learn why. The creditor is required to give you an adverse action letter, which includes a brief explanation of why you were not approved. It should also include information on how to get a free copy of the credit report the lender used to make its decision. This gives you a chance to see what the creditor saw, and can be a good opportunity to address any possible inaccuracies on your credit report or take steps to improve your credit.\nIf your letter doesn't tell you how to pull your free report, you can request it directly from the reporting agency named in your letter. For instant access to your Experian report, you can submit a request through Experian's Report Access page. END