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    Notice PDF

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    Donna Stowe
    The document is a letter denying Paige Wilson's loan application from Cross River Bank. It cites serious delinquency as the reason for denial based on information from TransUnion credit reports. It provides TransUnion's contact information and discloses that Paige Wilson's credit score of 519 was negatively impacted by factors such as serious delinquency and too few accounts paid as agreed. The letter also notes Paige Wilson's rights under the Fair Credit Reporting Act.

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    Notice PDF

    Uploaded by

    Donna Stowe
    129 views3 pages
    The document is a letter denying Paige Wilson's loan application from Cross River Bank. It cites serious delinquency as the reason for denial based on information from TransUnion credit reports. It provides TransUnion's contact information and discloses that Paige Wilson's credit score of 519 was negatively impacted by factors such as serious delinquency and too few accounts paid as agreed. The letter also notes Paige Wilson's rights under the Fair Credit Reporting Act.

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    The document is a letter denying Paige Wilson's loan application from Cross River Bank. It cites serious delinquency as the reason for denial based on information from TransUnion credit reports. It provides TransUnion's contact information and discloses that Paige Wilson's credit score of 519 was negatively impacted by factors such as serious delinquency and too few accounts paid as agreed. The letter also notes Paige Wilson's rights under the Fair Credit Reporting Act.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    129 views3 pages

    Notice PDF

    Uploaded by

    Donna Stowe
    The document is a letter denying Paige Wilson's loan application from Cross River Bank. It cites serious delinquency as the reason for denial based on information from TransUnion credit reports. It provides TransUnion's contact information and discloses that Paige Wilson's credit score of 519 was negatively impacted by factors such as serious delinquency and too few accounts paid as agreed. The letter also notes Paige Wilson's rights under the Fair Credit Reporting Act.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 3

    Paige Wilson

    1119 W Okmulgee Ave, Muskogee, Oklahoma 74401


    Nov 15, 2020

    Paige Wilson,
    After carefully reviewing your application for a loan from Cross River Bank, we are
    unable to offer you credit on the terms you requested for the reasons set out below.

    Reasons for Our Denial of Your Request for Loan:


    Serious delinquency. Please see credit report disclosure below for additional
    details

    Disclosure of Use of Information Obtained From an Outside Source

    If we obtained information from a consumer reporting agency as part of our


    consideration of your application, its name, address and toll-free telephone number are
    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.

    We obtained your credit score from the consumer reporting agencies listed below and
    used it in making our credit decision. Your credit score is a number that reflects the
    information in your consumer report. Your credit score can change, depending on how
    the information in your consumer report changes.

    Name: TransUnion
    Address: P.O. Box 2000, Chester, PA 19022
    Telephone number: 1-800-916-8800

    Your credit score: 519


    Date: 2020-11-15 13:41:53 -0800

    Scores range from a low of 300 to a high of 850. Key factors that adversely affected
    your credit score are:

    Serious delinquency
    Too few accounts currently paid as agreed
    Lack of recent bank revolving information
    Lack of recent revolving account information
    Your VantageScore 3.0 credit score: 569
    Date: 2020-11-15 13:41:53 -0800

    Scores range from a low of 300 to a high of 850. Key factors that adversely affected
    your credit score are:

    You have too few credit accounts


    You have either very few loans or too many loans with recent delinquencies
    No open accounts in your credit file
    Too many of the delinquencies on your accounts are recent

    Name: Equifax
    Address: P.O. Box 740241 Atlanta, GA 30374-0241
    Telephone number: 1-800-685-1111

    Your credit score:


    Date: 2020-11-15

    Scores range from a low of 300 to a high of 850. Key factors that adversely affected
    your credit score are:

    If you have any questions regarding your credit score, you should contact the
    appropriate credit reporting agency at the address or telephone number above.

    Upstart is providing this notice on behalf of Cross River Bank, 885 Teaneck Road,
    Teaneck, NJ 07666. If you have any questions regarding this notice, please contact us at
    the following address:

    Cross River Bank


    c/o Upstart Loan Operations
    P.O. Box 1503
    San Carlos, CA 94070
    Sincerely,

    Cross River Bank

    Notice: 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
    our compliance with this law is the Federal Deposit Insurance Corporation, FDIC
    Consumer Response Center, 1100 Walnut St., Box #11, Kansas City, MO 64106
    Ohio Residents: The Ohio laws against discrimination require that all creditors make
    credit equally available to all credit worthy customers, and that credit reporting
    agencies maintain separate credit histories on each individual upon request. The Ohio
    civil rights commission administers compliance with this law.

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