Loan review brought me a copy of a Notice of Credit Decision (Adverse Action notice)reflecting a denial to a customer who wished to purchase a motorcycle. The loan officer used a credit application from March 21, 2000. A credit report was pulled citing serious delinquency, collections, etc. thereby causing the request to be denied. My question is the use of the 13 year old credit application. Everything has changed on this customer: address, employment, income, credit. Is the new credit report enough documentation of the changes for this customer?