What to do if you've been denied credit

Find out why lenders may deny you credit and steps you can take if you are denied. [Duration- 1:46]

What you will learn:

  • If you're denied credit, you need to understand why
  • Lenders may deny you based on certain information (or a lack of information) in your credit report
  • If you have questions about why you were denied, contact your lender for additional information.
  • And keep up good credit habits to make them more likely to lend to you in the future
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Equifax is helping put you in control of your Equifax credit report. With Lock & Alert, you can quickly and easily lock and unlock your Equifax credit report with a click or swipe, and we’ll send a confirmation alert.1

  1. Locking your Equifax credit file will prevent access to it by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.