For every loan application, we provide specific decline reasons that are available to view in your Earnest account. If you believe there was an error in our review of your application, please feel free to reach out to our Client Happiness team by clicking “Get In Touch” at the bottom of the page. Similarly, if you believe there was an error on your credit report that affected our decision, please have it corrected with the credit reporting agency and then follow up with us to have your application reevaluated.
We are not able to provide a copy of your credit report, but you can request a free credit report once per year from AnnualCreditReport.com. Click here to learn more about our credit reporting policies.
We encourage you to reapply after you have made progress towards improving your financial profile. For more information on what we typically look for when evaluating your application, please see our Eligibility Guidelines.