North Carolina Roanoke Va
Resume:
First Help Financial LLC
Needham, MA 02494
Kamine D Moyer
Roanoke Va, VA, 24017
Dear Kamine D Moyer,
Thank you for your application for vehicle financing through: Dealer: Address:
Parks Buick GMC Kernersville 900 North Carolina 66 Kernersville, NC 27284 We are unable to offer you credit on the terms requested for the following reason(s): Collection Action or Judgment
Delinquent Past or Present Credit Obligations with Others Our credit decision on your application was based in whole or in part on information obtained in a report from the consumer reporting agency listed and checked below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file to 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. Credit Score:
Credit Reporting Agency Credit Score Date Accessed Agency Score Range Equifax Beacon 5.0 Auto 488-**-**-**** Low of 250 to a high of 900 Understanding Your Credit Score:
What you should know
about credit scores
Your credit score is a number that reflects the information in your credit report. Whether you pay your bills on time and how much you owe to creditors. Your credit score can change, depending on how your credit history changes. How we use your credit score Your credit score can affect whether you can get a loan and how much you will have to pay for that loan.
What if there are mistakes
in your credit report?
You have a right to dispute any inaccurate information in your credit report. If you find mistakes on your credit report, contact the consumer reporting agency. It is a good idea to check your credit report to make sure the information it contains is accurate.
How can you obtain a copy
of your credit report?
Under federal law, you have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once a year. To order your free annual credit report, Call
toll-free: +1-877-***-****
On the web: visit www.annualcreditreport.com
By mail: Mail your completed Annual Credit Report Request Form
(which you can obtain from the Federal Trade Commission's web site at www.consumer.ftc.gov) to:
Annual Credit Report Request service
P.O. BOX 105281
Atlanto, GA 30348-5281
How can you get more
information?
For more information about credit reports and your rights under federal law, visit the Consumer Finance Protection Bureau's website at www.consumerfinance.gov/learnmore
Data Source contacts:
Data Source Data Source Name Address Telephone Website EFX EQUIFAX INFORMATION SERVICES
LLS PO BOX 740241 ATLANTA GA 30374 +1-800-***-**** www.equifax.com XPN EXPERIAN PO BOX 2002 ALLEN TX 75013 +1-888-***-**** www.experian.com TUC TRANSUNION PO BOX 1000 CHESTER PA 19022 +1-888-***-**** www.transunion.com Key factors that adversely affect your credit score: Equifax
Serious delinquency and public record or collection filed Too few accounts currently paid as agreed
Number of accounts with delinquency
No recent nonmortgage balance information
If you have any question regarding this notice, you should contact: First Help Financial
160 Gould Street, Suite 100
Needham, MA 02494
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 Federal Trade Commission Equal Credit Opportunity, Northeast Regional Office, One Bowling Green, Suite 318, New York City, NY 10004. You may contact us By Phone at +1-866-***-****. You can also reach us by Fax at +1-855-***-****. Our Business Hours are 8:00AM - 10:00PM ET Monday through Friday and 9:00AM - 7:00PM ET on Saturdays. First Help Financial - 160 Gould Street, Suite 100, Needham, MA 02494
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