Why pray tell did you go to three places for an application? Each time you apply somewhere, it shows up as a ding on your credit report. Just get the facts from the three and then apply to the one you want. For they other one, all they are saying is the application was terminated and they will report that to the credit agencies. Just get a copy of your credit report and you can add your own letter of explanation to go along with it. They won’t withdraw anything but they’ll add the additional information. Just be businesslike and concise like “loan terms were deemed less desirable after application process was begin and terminated the application”. No need to make a federal case out of it.