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You have experienced an adverse action if you have been declined credit, employment or insurance, received an adverse action notice or if you received a notice that the terms of credit offered to you may be less favorable than the terms offered to consumers who have better credit histories.

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Denied credit education

5 Ways to Build Credit With Your Secured Credit Card
Secured credit cards can be a great tool for building credit. Get the full value of your new card by following this guide.
Tax Liens Are No Longer a Part of Credit Reports
Tax liens used to remain on credit reports for seven to 10 years.
How Often Is a Credit Report Updated?
Dear Experian, How often is credit information updated? - CNA
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