have you requested your credit history? you should be able to access that for free and that might give you some insight. https://www.consumer.ftc.gov/articles/

have you requested your credit history? you should be able to access that for free and that might give you some insight. https://www.consumer.ftc.gov/articles/0155-free-credit-reports https://www.consumer.ftc.gov/articles/0155-free-credit-repor... and yeah, it's fucking awful and i detest the whole thing.