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Public record information inaccurate. Yes l applied for credit reason and was sent a denial letter based on 38- serious delinquency and public record or collection filed 10-ratio of balance bank revolving or other rev accts to high 18- numbers of account with delinquency 14- length of time accounts have been established while l don't have anything that should state that l have anything on the public record and if l do it should have been move a long time ago l tried to call to speak to a live person but are not able to get anyone as they are so fast to get you denied but can't answer the phone as the letter stated to contact them the number l been calling is XXXX the recording doesn't give you the chance to speak to a live person