Scribd Logo
Upload

Welcome to Scribd!

  • 2 views

    Adverse Action Letter

    Uploaded by

    behappy33
    Adverse action Pdf bill

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Adverse Action Letter

    Uploaded by

    behappy33
    2 views2 pages
    Adverse action Pdf bill

    Copyright

    © © All Rights Reserved

    Available Formats

    PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    Adverse action Pdf bill

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    2 views2 pages

    Adverse Action Letter

    Uploaded by

    behappy33
    Adverse action Pdf bill

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    P.O.

    Box 31290
    Salt Lake City, UT 84131-0290

    November 26, 2024

    Thomas Randall
    4600 Woodward Ave
    Apt 413
    Detroit, MI 48201

    Application ID: 20000028509404


    Creditor: Capital One N.A.

    Dear Thomas Randall,

    Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your
    application and information obtained from your consumer credit report(s) from the consumer reporting
    agencies detailed on the back of this letter - we cannot approve your request at this time.

    The reason(s) for our decision are:

    • Based on your application information, application submitted is incomplete or cannot be verified

    If you feel we missed something or misread your information, then please write to us at P.O. Box
    31290 Salt Lake City, UT 84131-0290 and include your Application ID number referenced above. (Please
    note: we recommend you contact the consumer reporting agencies first to ensure they have accurately
    reported your information to us. Contact information for the consumer reporting agencies is provided
    on the back of this letter.)

    We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you
    new products and services in the future.

    Sincerely,

    Capital One Customer Care Team

    SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES.

    © 2024 Capital One. Capital One is a federally registered service mark.

    CD0073/6745f69807fae2000919356f/P:N 1/QA-1
    FAIR CREDIT REPORTING ACT
    Our credit decision was based in whole or in part on information obtained in a report from the
    consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know
    the information contained in your credit file at the consumer reporting agency. The reporting agency
    played no part in our decision and is unable to supply specific reasons why we have denied credit to
    you. You also have a right to a free copy of your report from the reporting agency, if you request it no
    later than 60 days after you receive this notice. In addition, if you find that any information contained
    in the report you receive is inaccurate or incomplete, you have the right to dispute the matter with the
    reporting agency.

    Equifax Information Services Experian


    P.O. Box 740241 701 Experian Parkway
    Atlanta, GA 30374 P.O. Box 2002
    1-800-685-1111 Allen, TX 75013
    www.equifax.com 1-888-397-3742
    www.experian.com

    TransUnion Consumer Relations LexisNexis Risk Solutions Inc.


    2 Baldwin Place RiskView Consumer Inquiry Department
    P.O. Box 1000 P.O. Box 105108
    Chester, PA 19022 Atlanta, GA 30348-5108
    1-800-888-4213 1-866-897-8126
    www.transunion.com/myoption risk.lexisnexis.com/consumer-and-data-access-policies

    INFORMATION ABOUT YOUR CREDIT SCORE


    We also requested your credit score to make our credit decision. Your credit score is a number that
    reflects the information in your credit report. Your credit score can change, depending on how the
    information in your credit report changes. If you have questions about this specific credit score, please
    contact the consumer reporting agency at the address or telephone number provided.

    Your Credit Score Score: 740 Date: 2024-11-25


    Source: Experian
    Understanding Your Credit Score
    The range of scores Scores range from a low of 325 to a high of 850.
    Key factors that adversely affected your credit • Proportion of balances to credit limits on bank/
    score national revolving or other revolving accounts is
    too high
    • Time since most recent account opening is too
    short
    • Too many inquiries last 12 months
    • Amount owed on revolving accounts is too high

    EQUAL CREDIT OPPORTUNITY ACT


    The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit
    applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the
    applicant has the capacity to enter into a binding contract); because all or part of the applicant's
    income derives from any public assistance program; or because the applicant has in good faith
    exercised any right under the Consumer Credit Protection Act. The federal agency that administers
    compliance with this law concerning this creditor is Bureau of Consumer Financial Protection, 1700 G
    Street NW., Washington DC 20552.

    © 2024 Capital One. Capital One is a federally registered service mark.

    CD0073/6745f69807fae2000919356f/P:N 2/QA-1

    You might also like