The Fair Credit Reporting Act (FCRA) and the Equal Credit Opportunity Act (ECOA) are the two primary federal laws that lenders must follow where adverse action notices are concerned. These statutes specify the information lenders need to disclose when it denies credit. An adverse action letter must include: The name of the credit reporting agency (or agencies) that provided the credit report(s) the lender reviewed during your application. This will almost always be Equifax, Experian, or TransUnion. Instructions on how to request your credit report(s) for free within 60 days after you’re denied or offered less attractive financing terms. While this consumer right is appreciated, there are ways to get credit reports much more often than waiting 60 days. Information about your right to dispute information on your credit report that you believe is inaccurate. You’ve enjoyed this right for many decades. A copy of your credit score if the lender reviewed it as part of your application. This is important. The credit score the lender must provide you has to be the score that was used as part of its decision. The point being, if the lender denied your application because your credit score from Equifax was 600, it must disclose this information.