Credit Card Consumer Relations
Resume:
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Statement of Credit Denial
Date: 08/09/2023
Demondrez D Denson
Jackson, GA 30233
Dear Demondrez D Denson :
Thank you for your recent application for the MISSION LANE VISA® Credit Card. We regret to inform you that we are unable to approve your application at this time. Reasons for Denial of Credit:
Your application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers. The information you provided in your application did not score a sufficient number of points for approval of the application. The reasons you did not score well compared with other applicants were: Limited credit experience
Number of accounts opened
Limited credit activity
Number of mortgage accounts
In evaluating your application the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agency played no part in our decision and is unable to supply specific reasons why we have 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. It can be obtained by contacting: TransUnion Consumer Solutions
PO Box 2000, Chester, PA 19016-2000
Consumer Relations: 800-***-****
Online Consumer Inquiries: https://dispute.transunion.com/ 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.
If you have any questions regarding this letter, you should contact us at: Mission Lane LLC on behalf of Transportation Alliance Bank P.O. Box 105286
Atlanta, GA 30348
Sincerely,
Mission Lane LLC
Demondrez D Denson (08/09/2023 07:10:55 Pacific Time) 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 (with certain limited exceptions); 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 Federal Deposit Insurance Corporation (FDIC) whose address is FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106.
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