Because you got turned down by a lender
If you are denied credit by a credit union, bank, or credit card company, you should review your credit report right away to find out what went wrong. If you are denied, you can get it for free from the same bureau that the bank or credit card company got the report from. If your score is too low, you should work on improving it. If, on the other hand, there are any errors, you should work on fixing them.