 TITLE: What Is an Adverse Action Letter? CONTENT: Why Did I Receive an Adverse Action Notice?\n-------------------------------------------\nThere are several reasons why you may be denied credit. While some of them aren't related to your credit report—for example, not meeting minimum income or age requirements or an incomplete application—you won't receive an adverse action notice unless the denial was due to information on your credit report.\nPotential reasons include:\n*   Credit score doesn't meet the creditor's minimum requirement\n*   Too much debt relative to your income\n*   Not enough credit history\n*   Late payments\n*   Too many recent credit applications\n*   High credit utilization ratio\n*   Too much existing credit with the lender\n*   Bankruptcy, short sale or foreclosure\n*   Charge-off or collection accounts\nCompanies are required to list four of the key factors that are adversely affecting your credit score. If one of the key factors is the number of hard inquiries on your credit report, they must list that as well. END