There are several reasons why an application may be declined. If your application is declined, a letter will be mailed to you stating the reason for declining the application. The letter will include a phone number for the credit agency that reported your credit information. The reporting agency played no part in J.J. BEST BANC & CO.’s decision and is unable to specify the reason(s) we have denied credit to you. You have a right under the Fair Credit Reporting Act to know all of the information contained in your credit file at the reporting agency. Within 60 days of your decline notice, you may obtain a copy of your credit report at no charge by contacting the consumer reporting agency listed, or any other credit reporting agency that maintains files on a national basis. You have the right to dispute the accuracy or the completeness of any information in your credit report by contacting the consumer reporting agency directly.