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1) Applying Right Now If you have been turned down for credit in the past and don't understand the reason, it may be time to review your credit report.

There may be listings on your credit report that are not yours, that are paid and show delinquent, or an account you thought you paid and hadn't. A US government report suggests you check your credit report annually, credit experts profess monthly credit report reviews! Inaccuracies in a credit report Inaccuracies in a credit report may be the result of simple human error. You could have a lower credit score than you deserve because of simple error.