There are many things that can screw up a credit score and having a high credit score is very important.
Some people don’t realize that their credit score effects what rate you pay for insurance for home, car, even health insurance.
My point was that I wondered if the data on rejection rates could be trusted. I suspect that my case was not even recorded, although it was in essence a rejection.
Since lenders are judged on rejection rates, why would they provide accurate evidence against themselves if they could avoid it?