[pc86]

Were they negative elements or just factually incorrect neutral/positive elements? Correct or not, if your credit report is pulled and there is wildly inaccurate (negative) information you can still be declined, and not many people know that you are entitled to a free report if you're declined based on what's in that report.

[Karunamon]

In my experience, most every place that declines you based on report data will send you a letter saying (in very general terms, but still) what criterion you failed, as well as the information about where to get your report.