Reverse Action

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Through April 20, 2021, Experian, TransUnion and Equifax will offer all U.S. consumers free weekly credit reports through AnnualCreditReport.com to help you protect your financial health during the sudden and unprecedented hardship caused by COVID-19.

Getting turned down for something because of your credit can be a frustrating experience, especially if your financial situation depends on it. If you've been denied credit, a loan, a job or even insurance coverage because of something on your credit report, you'll receive an adverse action letter explaining why.

This letter, required by the Fair Credit Reporting Act and the Equal Credit Opportunity Act, provides you with information about why you were denied, some helpful resources and an idea of what you can do to improve your credit situation.

What Is Included in an Adverse Action Letter?

According to federal law, an adverse action notice can be made orally, electronically or in writing. In many cases, you can expect to receive a letter in the mail within seven to 10 business days of the denial.

Regardless of how the company provides the notice, however, it's required to include the following information:

• Your credit score, if it was used to make the decision, along with the date the score was created and the range of possible credit scores based on the model used to generate your score.
• The name, address and phone number of the credit reporting agency (Experian, TransUnion or Equifax) that supplied the credit report used in the decision.
• Reasons for the denial (there can be up to five).
• Notice of your right to a free copy of your credit report within 60 days of the credit bureau, and how to get that copy.
• Notice of your right to dispute the accuracy or completeness of any information provided by the credit reporting agency.

With this information, you'll have an understanding of not only where your credit history stands, but also which areas of your credit file that need to be addressed.

Why Did I Receive an Adverse Action Notice?

There are several reasons why you may be denied credit. While some of them aren't related to your credit report—for example, not meeting minimum income or age requirements or an incomplete application—you won't receive an adverse action notice unless the denial was due to information on your credit report.

Potential reasons include:

• Credit score doesn't meet the creditor's minimum requirement
• Too much debt relative to your income
• Not enough credit history
• Late payments
• Too many recent credit applications
• High credit utilization ratio
• Too much existing credit with the lender
• Bankruptcy, short sale or foreclosure
• Charge-off or collection accounts

Companies are required to list four of the key factors that are adversely affecting your credit score. If one of the key factors is the number of hard inquiries on your credit report, they must list that as well.

Next Steps After Receiving an Adverse Action Notice

An adverse action letter can share some general information about why you've been denied credit, but it's a good idea to check at least one of your credit reports to get the full story behind your credit score.

While credit reporting agencies do not take part in making lending decisions, you'll receive information about the bureau that provided the credit file used to assess your credit. The adverse action letter will also explain your right to get a free copy of your credit report from all three major credit bureaus within 60 days of receiving the notice. Additionally, you can sign up to view your Experian credit report for free once a month and get a free copy of your report from each bureau every 12 months through AnnualCreditReport.com.

It's also a good idea to check your credit score, which may be a little different from the one listed on your adverse action letter. This is because there are several different scoring models out there, and some information can vary with each credit bureau.

That said, the primary factors that influence your FICO^® Score^☉ include:

• Payment history
• Amounts owed
• Length of credit history
• Credit mix
• New credit

As you review your credit score and report, look for information that's potentially inaccurate or even fraudulent. You'll have the option to dispute this information directly with the credit reporting agencies online, by phone or by mail.

Once you've submitted your dispute, the credit bureau will work to resolve the issue, including gathering information from the creditor that furnished the information. Once the investigation is complete, which typically occurs within 30 days, one of three things can happen:

• The inaccurate information will be corrected.
• The inaccurate or fraudulent information will be updated or removed.
• The information will be verified as accurate and stay on your report.

How to Improve Credit and Reduce the Chance of Future Denial

If your application for credit was denied for a specific reason, pay attention to that factor going forward and be sure to remedy it before you reapply. Denials based on your credit score or lack of credit history are addressable if you work on building your credit score.

This process can take time, but it can improve your chances of getting approved for credit in the future. Be sure to:

• Pay your bills on time. If you're behind on any of your payments, work on getting current as quickly as possible. Then make it a goal to pay on time every month going forward. While you can't erase the negative influence of past-due payments, positive payment history going forward can help reduce the sting.
• Pay down credit cards. How much you owe is an important factor in your credit score, especially when it comes to credit cards. Some experts recommend keeping your card balances below 30% of your available credit, but the lower, the better.
• Avoid unnecessary credit applications. Credit inquiries don't have a significant impact on your credit score on their own, but if you apply for credit multiple times in a short period, it can have a compounding effect. So try to avoid applying for credit unless you absolutely need it.
• Get credit for utility and phone payments. If you make your utility and phone payments on time, Experian Boost™^† can allow you to add that information to your credit file and reap the benefits with your credit score. Simply connect your bank accounts and identify the payments you want to have added to your Experian credit file, and you'll see an updated FICO^® Score immediately.

Also, keep in mind that while it's important to work on improving your credit, that doesn't necessarily mean you can't get approved for credit in the meantime.

There are some lenders that specialize in working with people with less-than-stellar credit. While their interest rates and other features may not be as favorable as prime lenders, they may still be able to get you the credit you need. Consider these options only if you absolutely need credit now, and can't wait to work on your credit situation.

If, however, you do have some time to improve your credit score, focus on that now, and it could save you a lot of money in interest in the long run.

Avoid Applying Again Until You Can Assess the Situation

Getting denied credit can feel like a personal attack, and you may be tempted to apply again immediately with a different lender. Until you know why you were denied, though, you could end up getting denied again and have an unnecessary hard inquiry added to your credit report.

So unless you need credit immediately, wait until you receive the adverse action letter in the mail so you have an understanding of the situation and know which steps you need to take to reduce the chance of getting denied again in the future.

What to Discover or Recall:

The Reverse Action Offense was first introduced and utilized by Hall of Fame Coach, Pete Newell, back in the late fifties. Although the basic guard around continuity is fairly simple, it is a bear to defend because of its precise execution and footwork. The weakside wing's rub cut off a post screen to the basket is its most recognizable option; however, Reverse Action also affords for a very strong post up game along with a two player guard around isolation along with providing numerous quick hitting counters against any defensive overplay.

Schematic Sequence

Reverse Action Cut Entries Guard Around Post Action Post Reads Overplays Specials

The Reverse Action continuity continues when O5 makes a reversal pass out to O1.

The key to the Reverse Action offense is patience and execution of off ball post screens. Since offensive options are dictated by how the defense is playing, players must be efficient in recognizing and attacking defensive deployment. It takes three components to successfully execute an off ball screen: Passer, Screener, and Receiver. All three have to think and function as one unit. This requires proper footwork, timing, non-verbal communication, and experience. Proper screen execution does not only free up shooters, but it also eliminates any offensive fouls.

Reverse Action does not rely on a single entry pass which makes it very difficult to disrupt. Any pass and/or dribble can initiate the Reverse Action continuity. Although team personnel will favor certain entries, the defense deployment will ultimately dictate which entry to use.

Weakside Entry

Strongside Entry

Dribble Clear Entry

Back Door Entry

Reverse action's strong side two player game is initiated by a guard passing to wing and then following the pass with an outside (guard around) cut towards the corner. This quick hitting but simple action is predicated on proper fundamentals and execution. When the wing creates a good lead using proper footwork along with the guard anticipating and readings the defense accurately, it will surely cause defensive problems that result in a easy, open shot opportunity.

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Although the wing's rub cut is the primary way to free up players in the low post area, the guard around action as creates a sideline triangle and one-on-one post isolation very similar to the Triangle Post Offense. Sideline triangle reads and options:

For the Post Isolation to be effective, physical size alone is not enough, players posting up must be well schooled in the basic post moves. In addition, both the passer and post player must be cognizant of the location of defensive player.

Long time coach and present Laker assistant, Tex Winter, has not only brought the importance of court spacing along with the Triangle Post offense into the game, but he has also coined the phase 'line of deployment' which assists players and coaches in 'reading' and countering defensive post deployment.

Reading & Countering Defensive Post Deployment

Defensive Reads: What if the...

1. Defender plays on the HIGH SIDE of the post?

2. Defender plays on the BASELINE SIDE of the post?

3. Defender FRONTS the post?

4. Defender plays BEHIND the post?

5. Defender DOUBLE TEAMS the post?

READ: Defender plays on the HIGH SIDE of the post.

COUNTER: Power Lay-up Option

When the defender X5 assumes a 3/4 pass denial position on the top side (above the line of deployment) of the post, the post should cheat up the lane, seal off the defender, and give the passer a target with the baseline hand. Passer should lead the post to the basket for power lay up. Post should maintain defensive seal until pass is overhead.

READ: Defender plays on the BASELINE SIDE of the post.

COUNTER: Baby Hook Option

When the defender X5 assumes a 3/4 pass denial position on the baseline side (below the line of deployment) of the post, the post should cheat down the lane, seal off the defender, and present the passer a target with the top hand. Passer should lead the post to the basket for baby hook. The baby hook should be executed with a quick, long, lead step into the middle with the foot pointing toward sideline or corner. Shooting arm should be kept straight using a flipping wrist motion. Shooter should be end up facing the basket on follow through.

READ: Defender plays BEHIND the post.

COUNTER: Turn & Face (Triple Threat)

When the defense X5 plays behind the post, the post should seal off the defender with a strong low, knees flexed stance, and give the passer a target with both hands. Upon receiving the pass, the post should make a strong pivot and face the basket assuming a triple threat position (drive, shoot or pass). Unless the defensive post is an extremely good shot blocker, the defensive player is at a big disadvantage.

Triple Threat Shot Options

1. Jump Shot. Defender has hands down.

2. Pump Fake and Drive. Defender anticipates and challenges shot.

3. Step Back. One dribble drive step toward basket then a quick step back to create separation from the defense.

Note: All three Triple Threat shot options are sequential read and react (attack) moves.

READ: Defender FRONTS the post.

COUNTER: Post Lob Option

When the defense X5 assumes a full front denial position on the post, the post should force the defense out away from the basket, seal off the defender, and give the passer a target with the baseline hand. Passer should make a pass just over the top of the fronting defensive player. Note: It is important for the post to wait and not release the defensive seal until the pass is overhead.

Reverse Action Tongs

READ: Defenders DOUBLE TEAMS the post.

COUNTER: Pressure Release to Elbow

One of the best ways to counter the post doubleteam is by attacking it before the trap can be set. When the defense double teams by bringing a defender across along the baseline on the low side, the post has option countering by releasing up to the elbow.

COUNTER: Pressure Release to Short Corner

When the defense double teams by bringing a player down from the top, the post has option of releasing to short corner on baseline.

The Reverse Action's spacing makes it ideal for back cutting against defensive overplays and pass denials. Anytime a player is overplayed, they should back cut to the basket immediately.

When the ball is passed to the guard and the Give & Go cut is not available, the wing continues out opposite and the post steps out initiating screen & roll action.

The Reverse Action offensive alignment affords coaches numerous after a time out and/or end of period quick hitting weakside options. Here are a couple of examples:

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