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    Adverse Action Notice

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    k5nfcwywnt
    Elzora Wilson was denied pre-approval for any Petal products due to a recent and severe delinquency on her credit report. Her credit score of 495 was negatively impacted by high account balances, a recently opened oldest account, lack of real estate information, and delinquencies on installment loans. She has rights under the Fair Credit Reporting Act to access her credit report and dispute any inaccurate information.

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    Adverse Action Notice

    Uploaded by

    k5nfcwywnt
    93 views2 pages
    Elzora Wilson was denied pre-approval for any Petal products due to a recent and severe delinquency on her credit report. Her credit score of 495 was negatively impacted by high account balances, a recently opened oldest account, lack of real estate information, and delinquencies on installment loans. She has rights under the Fair Credit Reporting Act to access her credit report and dispute any inaccurate information.

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    Elzora Wilson was denied pre-approval for any Petal products due to a recent and severe delinquency on her credit report. Her credit score of 495 was negatively impacted by high account balances, a recently opened oldest account, lack of real estate information, and delinquencies on installment loans. She has rights under the Fair Credit Reporting Act to access her credit report and dispute any inaccurate information.

    Copyright:

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

    Adverse Action Notice

    Uploaded by

    k5nfcwywnt
    Elzora Wilson was denied pre-approval for any Petal products due to a recent and severe delinquency on her credit report. Her credit score of 495 was negatively impacted by high account balances, a recently opened oldest account, lack of real estate information, and delinquencies on installment loans. She has rights under the Fair Credit Reporting Act to access her credit report and dispute any inaccurate information.

    Copyright:

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

    June 23, 2023

    ELZORA WILSON

    55 Barrett Road
    542
    Berea, OH 44017

    Adverse Action Notice (Email)

    Dear ELZORA,

    After very carefully reviewing the information that was supplied in the pre-qualification
    process, we are sorry to advise you that you are not pre-approved for any Petal products
    at this time for the following reason(s):

    1: You have a recent and severe delinquency.

    Please note that this decision will not impact your credit score.

    The consumer reporting agency contacted that provided information that influenced our
    decision in whole or in part was:

    Experian
    P.O. Box 4500
    Allen, TX 75013
    1-866-200-6020
    www.experian.com

    LexisNexis Risk Solutions Bureau LLC


    RiskView Consumer Inquiry Department
    P.O. Box 105108 Atlanta, GA 30348-5108
    866-897-8126
    https://consumer.risk.lexisnexis.com/

    We obtained your credit score from a consumer reporting agency and used it in making
    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.

    Your credit score: 495


    Date of Credit Report Pull: Friday, Jun 23, 2023
    Scores range from 300 to 850.

    Key factors that adversely affected your credit score:

    1: The balances on your accounts are too high compared to loan amounts.
    2: The date that you opened your oldest account is too recent.
    3: Lack of sufficient relevant real estate account information.
    4: You have either very few installment loans or too many with delinquencies.
    The reporting agency played no part in our decision and is unable to supply specific
    reasons why we denied credit to you. You have a right under the Fair Credit Reporting
    Act to know the information contained in your credit file at the consumer reporting agency.
    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 a report you receive is inaccurate or incomplete, you have
    the right to dispute the matter with the reporting agency. Any questions regarding such
    information should be directed to Experian, National Consumer Assistance Center, P.O.
    Box 4500, Allen, TX 75013, www.experian.com/reportaccess, or by calling 866-200-6020.

    Sincerely,
    WebBank, Salt Lake City, UT
    c/o Petal Card, Inc.
    MSC 166931
    P.O BOX 105168
    Atlanta, GA 30348-5168
    Email: support@petalcard.com

    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 compliance with this law concerning
    this creditor is the FDIC, Consumer Response Center, 1100 Walnut Street, Box 11,
    Kansas City, Missouri 64106.

    Ohio Applicants: 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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