The FCRA gives you the right to know what is in your file
In addition, the FCRA gives you the following rights (not inclusive):
-You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit,
insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the
information.
-You have the right to dispute incomplete or inaccurate information
-Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
-Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than
seven years old, or bankruptcies that are more than 10 years old
FICO publishes exactly what makes up your credit score, straight from the horse's mouth:
https://www.myfico.com/credit-education/whats-in-your-credit...
The FCRA gives you the right to know what is in your file
In addition, the FCRA gives you the following rights (not inclusive):
-You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action against you – must tell you, and must give you the name, address, and phone number of the agency that provided the information.
-You have the right to dispute incomplete or inaccurate information
-Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
-Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old
https://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-r...
So if you get denied a mortgage, you'll know why, and it certainly won't be because you drive by a pawn shop.