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It's a good idea to check your credit reports periodically and make sure that online fraud is not putting you at risk. If you have recently been denied credit due to a bad credit report, you can request to see the report. Check it for errors and if you find any, report them to the credit agency that issued the report and request that they update their records. Make sure that all accounts reported are in fact yours and that any paid off loans are shown as paid in full. Contact the company that denied your credit application and let them know that the report contained false information and it's being corrected. Make sure you see a copy of the corrected report and keep records of your correspondence with the credit agency.