P.O.
Box 31290
Salt Lake City, UT 84131-0290
August 02, 2024
Vianka Gomez
551 SW 135th Ave
Apt B205
Pembroke Pines, FL 33027
Application ID: 20000019334380
Creditor: Capital One N.A.
Dear Vianka Gomez,
Thank you for applying for a Williams Sonoma Key Rewards Card. 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 application information, application submitted is incomplete or cannot be verified
• Based on your credit report from one or more of the agencies on the back of this letter,
insufficient credit card account experience
• Based on your credit report from one or more of the agencies on the back of this letter, number of
revolving accounts
• Based on your credit report from one or more of the agencies on the back of this letter, there are
too few or no bankcard accounts or your credit bureau report had missing information about a
bankcard account or accounts
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 TransUnion Consumer Relations
P.O. Box 740241 701 Experian Parkway 2 Baldwin Place
Atlanta, GA 30374 P.O. Box 2002 P.O. Box 1000
1-800-685-1111 Allen, TX 75013 Chester, PA 19022
www.equifax.com 1-888-397-3742 1-800-888-4213
www.experian.com www.transunion.com/myoption
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 your score, please contact the
consumer reporting agency at the address or telephone number provided.
Your Credit Score 615 Date: 2024-07-09
Source: Experian
Understanding Your Credit Score
The range of scores Scores range from a low of 325 to a high of 850.
Key factors that adversely affected your credit • Serious delinquency
score • Length of time revolving accounts have been
established
• Number of accounts with delinquency
• Too many inquiries last 12 months
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 20552.
© 2024 Capital One. Capital One is a federally registered service mark.
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