P.O.
Box 31290
Salt Lake City, UT 84131-0290
February 03, 2024
MARGARET GODSBY
1201 Hamilton Ave
South Pittsburg, TN 37380
Application ID: 20000007367393
Creditor: Capital One N.A.
Dear MARGARET GODSBY,
Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your
application and information obtained from your consumer credit report(s) from the consumer reporting
agencies detailed on the back of this letter - we cannot approve your request at this time.
The reason(s) for our decision are:
• Based on your credit report from one or more of the agencies on the back of this letter, there have
been too many recent inquiries
• Based on your credit report from one or more of the agencies on the back of this letter, there have
been too many recent credit card inquiries
• Based on your credit report from one or more of the agencies on the back of this letter, presence
of a personal finance loan
• Based on your credit report from one or more of the agencies on the back of this letter, time since
recent credit card inquiry is too short
If you feel we missed something or misread your information, then please write to us at P.O. Box
31290 Salt Lake City, UT 84131-0290 and include your Application ID number referenced above. (Please
note: we recommend you contact the consumer reporting agencies first to ensure they have accurately
reported your information to us. Contact information for the consumer reporting agencies is provided
on the back of this letter.)
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you
new products and services in the future.
Sincerely,
Capital One Customer Care Team
SEE REVERSE FOR ADDITIONAL IMPORTANT INFORMATION AND DISCLOSURES.
© 2024 Capital One. Capital One is a federally registered service mark.
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FAIR CREDIT REPORTING ACT
Our credit decision was based in whole or 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 credit file at 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.
Equifax Information Services Experian
P.O. Box 740241 701 Experian Parkway
Atlanta, GA 30374 P.O. Box 2002
1-800-685-1111 Allen, TX 75013
www.equifax.com 1-888-397-3742
www.experian.com
TransUnion Consumer Relations LexisNexis Risk Solutions Inc.
2 Baldwin Place RiskView Consumer Inquiry Department
P.O. Box 1000 P.O. Box 105108
Chester, PA 19022 Atlanta, GA 30348-5108
1-800-888-4213 1-866-897-8126
www.transunion.com/myoption risk.lexisnexis.com/consumer-and-data-access-policies
INFORMATION ABOUT YOUR CREDIT SCORE
We also requested your credit score to make 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. If you have questions about this specific credit score, please
contact the consumer reporting agency at the address or telephone number provided.
Your Credit Score Score: 674 Date: 2024-02-02
Source: TransUnion
Understanding Your Credit Score
The range of scores Scores range from a low of 309 to a high of 839.
Key factors that adversely affected your credit • Length of time accounts have been established
score • Proportion of balances to credit limits on bank/
national revolving or other revolving accounts is
too high
• Lack of recent bank/national revolving
information
• Too many inquiries last 12 months
• Number of inquiries on credit report
EQUAL CREDIT OPPORTUNITY ACT
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 Bureau of Consumer Financial Protection, 1700 G
Street NW., Washington DC 20006.
© 2024 Capital One. Capital One is a federally registered service mark.
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