 TITLE: Do Rejected Credit Applications Affect Your Credit Scores? CONTENT: Does Denied Credit Show Up on Your Credit Report?\n-------------------------------------------------\nYour credit report doesn't say whether your applications were approved or denied. But it could contain hard inquiries—records of when creditors reviewed your credit reports while making lending decisions.\nFor example, you might apply and get approved for a handful of auto loans when shopping for a car, but you'll only take the loan with the best rate and terms. Or, you might apply for a loan and then change your mind after reviewing the lender's offer. In either case, the hard inquiries didn't lead to new accounts even though you were approved.\nAlso, a hard inquiry only appears on the credit report the creditor checked. Creditors may check your credit reports from one or more of the major credit bureaus (Experian, TransUnion and Equifax). If the creditor only reviews your Experian credit report, the inquiry would be on your Experian report but not your Equifax or TransUnion credit reports. END