What happens if you are denied credit or don't get the terms you want?

If you've been denied credit, don't worry.  We are still here to help.  Navigating your way home isn't always easy.  We will work with you to come up with a plan to improve your score so you qualify.  We may even refer you to one of our business partners to assist if necessary.  We will follow up with you along the way to ensure you are on the right track.  

If you are denied credit, the Equal Credit Opportunity Act requires that we give you a notice that tells you the specific reasons your application was rejected or the fact that you have the right to learn the reasons if you ask within 60 days.  Acceptable reasons include: "Your income was low" or "You haven't been employed long enough." 

Sometimes you can be denied credit because of information from a credit report. If so, we will give you the name, address and phone number of the credit reporting agency that supplied the information. You should contact that agency to find out what your report said. This information is free if you request it within 60 days of being turned down for credit. The credit reporting agency can tell you what's in your report, but only we can tell you why your application was denied.