<prompt> Human: i ended up deciding to apply for my first credit card and it was with chase. the freedom card to be exact. i then got my paper in the mail informing me that ive been declined due to poor credit. they said i had a 560 score. yet, ive never done anything involving my credit before, it had also said i had been declined because i had previous debt, or had gone bankrupt. being slightly confused i checked credit karma. nothing came up, they couldnt find anything. Reddit i ask you this. what might be going on?  <response>: The rejection letter should tell you how to get a free copy of the credit report that they used to decline your application. Do it and review your report. 