Security Credit

Reserve at Fairway Hills

**** ********* *****, **********, ** 35802 USA

February 23, 2023

Demetrious Campbell

**** ****** **. **

Huntsville,AL 35805

The decision by Reserve at Fairway Hills to NOT ACCEPT your application under our standard lease terms was based on information contained in a consumer report obtained through the consumer reporting agency listed below.

Contributing Factors:

- CREDIT REPORT DOES NOT MATCH COMPANY GUIDELINE

- INCOME DOES NOT MATCH COMPANY GUIDELINE

Any adverse action has been taken in accordance with the requirements of the Federal Fair Credit Reporting Act, 15

U.S.C. 1681m(a).

OUR CREDIT DECISION WAS BASED IN PART ON INFORMATION OBTAINED IN A REPORT FROM THE CONSUMER REPORTING AGENCY LISTED BELOW. YOU HAVE A RIGHT UNDER THE FAIR CREDIT REPORTING ACT TO KNOW THE INFORMATION CONTAINED IN YOUR CONSUMER REPORT AT THE CONSUMER REPORTING AGENCY. THE REPORTING AGENCY DID NOT MAKE THE DECISION TO TAKE THE ADVERSE ACTION AND IS UNABLE TO PROVIDE YOU WITH SPECIFIC REASONS WHY THE ADVERSE ACTION WAS TAKEN. YOU HAVE A RIGHT TO OBTAIN A FREE COPY OF YOUR CONSUMER REPORT WITHIN 60 DAYS FROM YOUR RECEIPT OF THIS NOTICE FROM THE CONSUMER REPORTING AGENCY LISTED BELOW. YOU ALSO HAVE A RIGHT TO DISPUTE THE ACCURACY OF COMPLETENESS OF ANY INFORMATION IN YOUR CONSUMER REPORT. 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 (providing the applicant has the capacity to enter 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.

CREDIT SCORE DISCLOSURE

Your credit score was obtained from a consumer reporting agency and was used 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. Equifax Credit Information Services, Inc.

P.O. Box 740241

Atlanta, GA 30374

Toll Free: 800-***-****

Credit Score: 581

Date: February 23, 2023

Scores range from 300 to 850

Factors that affected your score:

- Serious delinquency, and derogatory public record or collection filed Page 1

- Number of accounts with delinquency

- Length of time accounts have been established

- Lack of recent revolving account information

The consumer reporting agency that provided the report can be contacted at: Screening Reports, Inc. (www.screeningreports.com) 2900 Monarch Lakes Blvd, Ste 201, Miramar, FL 33027 Toll-Free 866-***-****

You have a right to include a "security freeze" with your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report in connection with a credit transaction without your express authorization. A security freeze must be requested in writing by certified mail or by any other means provided by a consumer reporting agency. The security freeze is designed to prevent an extension of credit, such as a loan, from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make

regarding a loan, credit, mortgage, or Internet credit card transaction, including an extension of credit at point of sale.

When you request a security freeze for your credit report, you will be provided a personal identification number or password to use if you choose to remove the security freeze from your credit report or authorize the release of your credit report for a period of time after the security freeze is in place. To provide that authorization you must contact the consumer reporting agency and provide all of the following:

(1) The personal identification number or password.

(2) Proper identification to verify your identity.

(3) The period of time for which the report shall be made available.

(4) Payment of the appropriate fee.

A security freeze does not apply to a person or its affiliates, or collection agencies acting on behalf of a person, with which you have an existing account, that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements. Unless you are a victim of identity theft with a police report to verify the crime, a consumer reporting agency has the right to charge you no more than $ 10 to include a security freeze with your credit report, no more than

$ 10 to authorize release of a report that includes a security freeze, and no more than $ 10 to remove a security freeze from your credit report.

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