How do you find out what's wrong with your credit?

[Me2 Me2]

I just applied for a credit card and was denied. I have a couple of theories as to why and what i owe being the culprits, but how do you find out exactly what is making your credit too bad to recieve a credit card?

[randomcobweb]

The company refusing credit will send you a letter stating which of the three credit agency reports they looked at (it could be only 1 or al 3) and an explanation as to the reason(s) for the denial. You then can seek a copy of your credit report to see if there are any errors on the report.

[xihua]

You will need to pull out all 3 of your credit reports and find the deficiencies. Chance of why you were denied was probably due to:a. late paymentsb. high debtc. too much inquiriesd. charge offse. no credit historyf. list goes onIt is very important to check your credit report from experian, equifax, and transunion.

[baseball girl]

Actually, since you were just denied a card, you can obtain a free copy of your report from the agency (or agencies) that they used to deny you. This does NOT count as your "one free a year" report. Look at the letter sent to you for your denial. It should contain the information on how to get a copy of the report. If you were denied at a point of sale (like when they ask at the store if you want instant credit) wait a couple of weeks and you will recieve a letter from the lender telling you were denied and giving you the information you need.

[RoJa Mitchell]

all of the above.

[dawgs4me07]

You can go to freecreditreport.com or wait for the credit card company to send you a letter of denial and it will tell you which credit bureau they used. I have checked all 3 bureas and they all 3 report different..