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Open the companion tool →Your rights when an algorithm affects your credit
Under the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA), lenders must provide the top key factors that adversely affected your score or application.
Automated credit models sometimes rely on stale data, misattributed public records, or proxy variables. Requesting your file forces a human compliance review.
The protocol
- Locate your Adverse Action Notice from the lender and identify the date of the decision.
- Identify the consumer reporting agency (e.g., Experian, Equifax, TransUnion, or a specialized bureau) cited in the notice.
- Request your free credit report from that bureau within 60 days of receiving the notice.
- Submit a formal written request to the lender demanding the specific principal reasons for the automated decision.
What the tool does
Generate a formal Adverse Action disclosure request and dispute letter under FCRA and ECOA rules.
Limit first: This tool generates legal correspondence based on statutory templates. It does not provide formal legal representation.
Open the companion tool →One human next step
If the lender or bureau fails to respond within 30 days or provides inaccurate data, submit a complaint directly to the CFPB (consumerfinance.gov/complaint).
Research log and safety checks
AI-assist path: statutory correspondence generator. §6.10: focused on legal recourse.
§0.5 protection result: category is rights-recourse; crisis-adjacent: no; fear/urgency/scarcity toolkit used: no. The protective function is free and the paid feature is convenience only.