Credit Union P O
Resume:
Adverse Action Notice
Langley Federal Credit Union
Name: Barbara Clark
Address: *** ******* ***, ***** ******, TN 37122
Description of Account(s): LangleyPays Checking
Thank you for your recent application for a deposit account. We regret that we are unable to approve your request.
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 are unable to approve your request. You have a right under the Fair Credit Reporting Act to know the information contained in your consumer file at the consumer reporting agency. It can be obtained by contacting: Equifax, P.O. Box, 740241, Atlanta, GA 30374-0241, 800-***-****. You also have a right to a free copy of your report from the reporting agency, you request it no later than 60 days after you receive this notice. In addition, if you find 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 also obtained your consumer score from the consumer reporting agency and used it in making our decision. Your consumer score is a number that reflects the information in your consumer report. Your consumer score can change, depending on how the information in your consumer report changes. Your consumer score: 473
Date: Aug 20 2024
Key Factors that adversely affected your consumer score SERIOUS DELINQUENCY, AND PUBLIC RECORD OR COLLECTION FILED TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH TOO MANY ACCOUNTS WITH BALANCES
Scores range from a low of 100 to a high of 899. If there is insufficient data to generate a score, you may receive an exception score ranging from 9000 to 9999. If you have any questions regarding your consumer score, you should contact Equifax at the contact information above.
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 National Credit Union Administration, Office of Consumer Financial Protection, 1775 Duke Street, Alexandria, VA 22314.
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If you have any other questions regarding this notice, you should contact: Financial Institution Name: Langley Federal Credit Union Address: PO Box 120128, Newport News, VA 23612
Sincerely,
Langley Federal Credit Union
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