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Reporting company used your report improperly. On XX/XX/XXXX I received an email stating I was denied credit for some type consumer credit application from Net Credit. I do not know this company and I have not provided them any information. Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Applicant 's Name : XXXX XXXX Account # : XXXX Application # : XXXX Applicant 's Address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX Dear Applicant : Thank you for your recent application. We regret that we are unable to approve your request for consumer credit. Your application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment hi