I applied for a credit card recently and got denied, which was weird since I have a good credit score. Applied for a different one, they eventually emailed and asked if I still wanted the card. When I said I did, they told me they needed me to unfreeze one of my credit reports. I had forgotten I did it years ago. Oops. I eventually got a snail mail from the first credit card company telling me that was why it was denied and to unfreeze it if I still wanted the card.