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Three questions, answered entirely in your browser — nothing you click here is sent to us or anyone else. The most reliable source is always your denial letter (they're required to name the company after an adverse action), but if it didn't, this narrows the field.
1) Ask in writing who supplied the report (they must tell you). 2) Request your free copy from that company — free after any denial. 3) Dispute anything inaccurate in writing with evidence; they must investigate, typically within 30 days. Full steps: find your situation.
Disputes fix errors. They don't erase history that's true — accurate records survive investigation. If the record is real, what helps is settling and documenting it, second-chance programs, and time. We built this site for honest people hit by wrong records.
Likelihoods are based on which companies dominate each screening category in public records and industry use — not a statement about your specific case. Your denial letter is the authoritative answer. General information, not legal advice.