Please see the following notice(s) regarding either an incom-
plete purchase(s) where the full check out flow was not com-
pleted, or explaining why Klarna could not approve 1 or more
of your purchases with “4 bi-weekly payments”.
2024-10-12
Purchase attempt date: 2024-09-19
Klarna.
Purchase attempt on September 19
You selected “4 interest-free payments” while shopping with Klarna on September 19. After
carefully reviewing your request, we weren't able to approve the purchase because of your
credit history. Don’t worry, this hasn't affected your credit score.
Factors in our decision
Your request was processed by a credit scoring system that assigns a numerical value to the
various items of information we consider in evaluating a purchase request. These numerical
values are based upon the results of analyses of repayment histories of large numbers of
consumers.
The information in your request did not score a sufficient number of points for approval.
The reasons you did not score well compared to others were:
Information about the credit reporting agency and your rights as a consumer is below.
Your right to your consumer report
In evaluating your request, we obtained your credit report from TransUnion which influ-
enced our decision in whole or in part. TransUnion played no part in our decision on your
request and cannot supply specific reasons why we have denied credit to you.
You have a right under the Fair Credit Reporting Act to know the information contained in
your credit file at the consumer reporting agency. It can be obtained by contacting them
at:
TransUnion Consumer Relations
2 Baldwin Place
P.O. Box 1000
Chester, PA 19016
www.transunion.com/myoptions
1-800-888-4213
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 of the
information contained in the report you receive is inaccurate or incomplete,you have the
right to dispute the matter with the reporting agency.
Annual credit reports
In addition to having access to your report because of this application, you have the right
to obtain a copy of your credit report, free of charge, once per year from each of the three
major credit reporting agencies. We encourage you to do this to make sure your reports
are accurate! You can get copies from www.annualcreditreport.com
Information about your credit score
We also obtained your credit score from the consumer reporting agency and used it in
making our credit decision. Your credit score is a number that reflects the information in
your consumer report. Your credit score can change, depending on how the information in
your consumer report changes.
Your Credit Score: 490
Date: 2024-09-19 04:27:17
Scores range from a low of 300 to a high of 850.
Key factors that adversely affected your credit score:
• Lack of real estate secured loan information
• Balances on accounts too high compared to credit limits and loan amounts
• Not enough balance paid down over time on installment accounts
• Too many delinquent or derogatory accounts
Sincerely,
Klarna Inc.
PO Box 8116
Columbus, OH 43201
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 ProtectionAct.
The Federal agency that administers compliance with this law concerning this creditor is
the Division of Depositor and Consumer Protection, National Center for Consumer and
Depositor Assistance, Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11,
Kansas City, MO 64106.
Notice to Ohio residents
The Ohio laws against discrimination require that all creditors make credit equally available
to all credit worthy customers, and that credit reporting agencies maintain separate credit
histories on each individual upon request. The Ohio Civil Rights Commission administers
compliance with this law.
