[john70t]

The banking laws may have changed but I think this used to be true.
I may have a credit rejection letter stating (this in writing) somewhere.

After h.s. I had my credit ruined by a couple delinquents I once roomed with.
Found out about this much later, when applying for a home loan.
I had 80-90% of loan in cash and a good paying job with no outstanding debt.
Paid rent 1st of the month(always).
Tried to build new credit to repair. Applied for Sears card, IAM ccard, Credit Union card, etc,
All rejected.
At least one of the rejections was for "too much activity".
Asked for free credit score as required. Denied.
Asked for credit complaint forms. TransUnion wanted me to send all types of personal documentation (edit-official copy of birth certificate!!!) in the mail, after having the same address, job, and bank account for 3-5 years.
Contacted originating credit reporting bureau. They said they fixed it, but lied.
Bad credit score followed me around for 11 years.

Pure economic slander by bankers.

Meanwhile, housing prices doubled and tripled.