GE Money Bank
P.O. Box 981404
EL Paso, TX 79998-1404 Please direct any inquiries concerning this notice to the creditor whose name and address is located in the upper left hand corner. Requests for a copy of your credit report should be sent to the credit reporting agency listed in the bottom portion of this notice. If no agency is listed, a credit report was not utilized in making this decision.
JOHN GRAHAM
29 BASSWOOD DR
MOUNT NEBO, WV 26679 WL 05
REQUEST FOR CREDIT FROM: WAL-MART INTERNET 06/11/2008
GE Money Bank has received your request for credit from the program named above. Regretfully, your request cannot be approved at this time.
A. EQUAL CREDIT OPPORTUNITY ACT NOTIFICATION
1.
In reaching this decision, your request was judgmentally reviewed and denied for the following reason(s):
UNABLE TO VERIFY IDENTITY OF APPLICANT
2.
In evaluating your request, a credit scoring system was used that meets the detailed standards for such systems set out in the regulation implementing the provisions of the Federal Equal Credit Opportunity Act. This system assign a point value to various items of information which, taken together, have been demonstrated to predict the statistical probability that a consumer will pay in accordance with the terms of the transaction requested. The points obtained for each factor or characteristic considered by the scoring system were added together and you did not achieve the approval score assigned by the system. Since each category scored by the system contributed to the total score, no individual factor was solely responsible for your score being less than the approved score. Nevertheless, the factor(s) where you did not score well compared with other consumers have been determined and these factor(s) were:
The fact that a consumer does not achieve the minimum approval score required by the system does not constitute an adverse reflection on the consumer, but only represents our experience, on an overall statistically basis, with the various factors scored by the system.
B. FAIR CREDIT REPORTING ACT NOTIFICATION
1.
If checked here, information contained in a credit bureau report from a consumer reporting agency was relied on in whole or in part in reaching the decision indicated above. In accordance with the Fair Credit Reporting Act, the following disclosure of the name and address of each credit reporting agency furnishing a credit report in this instance is given below. This agency (agencies) did not make the decision in this instance and is unable to provide you with the specific reason(s) for our action.
T.U. CONSUMER RELATIONS
2 BALDWIN PLACE, PO BOX 1000
CHESTER, PA 19022
800-888-4213
(If more than one agency is disclosed herein and if box A2 box is completed, the reason(s) shown in that box are based on the report provided by the first listed agency.)
2.
If checked here, information from an outside source other than a consumer credit reporting agency was relied on in whole or in part in reaching our decision. The nature of this information is shown in box A1 above.
The sponsor of the program named above may wish to make other arrangements to process your transaction and may contact you accordingly.
SEE REVERSE SIDE FOR IMPORTANT INFORMATION SINCERELY,
CREDIT MANAGER
GE Money Bank
ALL PERSONS TO WHOM THIS LETTER IS ADDRESSED
***** IMPORTANT NOTE PLEASE READ ****
Please direct any inquiries concerning this notice to the creditor whose name and address is located in the upper left hand corner of the reverse side. Requests for a copy of your credit report should be sent to the credit reporting agency listed on the reverse side, bottom portion of this notice. If no agency is listed, a credit report was not utilized in making this decision.
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 (GE Money Bank) is Office of Thrift Supervision, Chicago Regional Office, One South Wacker Drive, Suite 2000, Chicago, Illinois 60606.
The federal agency that administers compliance with this law concerning this creditor (GE Capital Financial, Inc.) is the Regional Director, Federal Deposit Insurance Corporation, Credit Card Center, 2345 Grand Ave, Suite 100, Kansas City, Missouri 64108.
The federal agency that administers compliance with this law concerning this creditor (GE Capital Corporation) is the Regional Director, Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.
Under the federal Fair Credit Reporting Act, if a consumer reporting agency or agencies is identified in this letter, you have the right (i) to obtain, within 60 days from your receipt of this letter, a free copy of a consumer report on you from the identified agency or agencies and (ii) to dispute the accuracy or completeness of any information on you in a consumer report furnished by the consumer reporting agency or agencies.
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
I have a credit score of 787- ONLY USE 2% OF AVAILABLE- NEVER LATE, ASSETS OF OVER 500, 000 |
180 days ago by Sagar [
178 days ago by Linda Stevens [