CREDIT PROUD — ADVERSE ACTION NOTICE CHECKLIST

General U.S. education, not legal, employment, housing, insurance, lending, or credit-repair advice.
Keep personal account and identity information in your own secure records; do not send it to Credit Proud.

NOTICE RECORD
[ ] Save every page of the notice and its envelope or delivery record.
[ ] Record the date the notice arrived.
[ ] Record whether the decision was final, conditional, or a change to an existing account.
[ ] For a credit decision, optionally record the affected application type: credit card, auto financing, mortgage, or other personal credit.

SEPARATE THE THREE ROLES
[ ] Decision-maker: the lender, creditor, landlord, employer, insurer, bank, utility, or provider that made the decision.
[ ] Reporting company: a separate credit bureau or specialty consumer reporting company listed with an address and phone number.
[ ] Score factors: statements explaining why a particular credit score was not higher; these may differ from the decision-maker's reasons.

SOURCE CHECK
[ ] Request the consumer report from the company actually named in the notice, if one is named.
[ ] Ask the decision-maker which report or other source it used if the notice is unclear.
[ ] Compare the report, application, and original records field by field.
[ ] Classify what you found: inaccurate, accurate but unfavorable, possible identity theft, or still unclear.

TIMING
[ ] Check the notice for the deadline to request specific creditor reasons.
[ ] Check the notice for the period to request a free source report.
[ ] Track a later report dispute and its response separately.

Official starting points:
- CFPB denied-credit guidance: https://www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/
- CFPB consumer reporting company list: https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/