Your credit application has been reviewed. Based on our credit review, we are unable to offer you service at this time.

Our credit decision was based in part on information obtained in a report from the consumer reporting agency listed below. The reporting agency played no part in our decision and is unable to supply specific reasons why we have taken the action described above.

You have a right under section 612 of the Fair Credit Reporting Act (FCRA) to obtain a free copy (free for 60 days from date of this notice) of your consumer report from the reporting agency below. You also have a right to dispute the accuracy or completeness of the information currently on file in the consumer report with the agency below.

To review your credit report, please contact the following agency:
Experian 888-Experian toll-free or visit their website at http://www.Experian.com/ or you can write to them at Experian Consumer Relations, 701 Experian Parkway, P.O. Box 2002, Allen, TX 75013.