How much bad credit does it take to be denied credit?
The answer is relative, because there are “so-called” prime lenders and sub-prime lenders. Prime lenders only deal with low risk creditors at great rates and terms. Sub-prime lenders reach a little further out the credit limb and deal with creditors with much riskier profiles, and charge accordingly. Any negative credit listing could become a substantial credit obstacle.
All Inaccurate items should be challenged in an effort to improve your credit, and your credit terms.