PERSONAL LOANS
Reference Number 000824351127918
PO Box 30954
Salt Lake City, UT 84130-0954 December 16, 2024
RE: Your recent request
**
Dear GREGORY GORDON,
Thank you for your interest in Discover® Personal Loans.
To ensure you're always informed, we're writing to let you know that we could not approve your loan
request at this time because:
• TOO MANY RECENT BANK CARD INQUIRIES ON CREDIT BUREAU
• EXCESSIVE NUMBER OF CREDIT BUREAU INQUIRIES
• EXCESSIVE NUMBER OF BANK CARD INQUIRIES
Keep in mind, your credit score will not be impacted by your request since we used a soft credit inquiry to
check your eligibility.
If you have any questions regarding this letter, write to Discover Bank, issuer of the Discover Personal
Loans, at P.O. Box 30954, Salt Lake City, UT 84130-0954. Please include your name, address and
application number 000824351127918.
Sincerely,
Discover Personal Loans
Important 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 or 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.
Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all
Discover.com/Personal-Loans
Discover Bank, Member FDIC
ADA 101861 Page 1 of 3
PO Box 30954
Salt Lake City, UT 84130-0954
000001
GREGORY GORDON
2750 MEADOWSWEET LN
LEXINGTON, KY 40511
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.
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.
For a free copy of your credit bureau report, contact:
Equifax Information Services LLC Clarity
PO Box 740241 PO Box 819
Atlanta, GA 30374 Allen, TX 75013
(888)378-4329 (844)922-2743
www.equifax.com
LexisNexis Risk Solutions Inc.
Experian RiskView Consumer Inquiry Department
PO Box 2002 PO Box 105108
Allen, TX 75013 Atlanta, GA 30348
(888)397-3742 (866)897-8126
www.experian.com
TransUnion Consumer Relations
PO Box 1000
Chester, PA 19016
(800)888-4213
www.transunion.com
We also obtained your credit score from this consumer reporting agency and used it 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.
Type of credit score FICO
Your credit score 608
Date December 16, 2024
Scores range from a low of 300 to a high of 850
Key factors that affected your credit score were as follows:
Key Factor 1 SERIOUS DELINQUENCY
Key Factor 2 TIME SINCE DELINQUENCY IS TOO RECENT OR UNKNOWN
Key Factor 3 LACK OF RECENT REVOLVING ACCOUNT INFORMATION
Key Factor 4 LACK OF RECENT BANK REVOLVING INFORMATION
Key Factor 5 NUMBER OF INQUIRIES ADVERSELY AFFECTED THE SCORE BUT NOT SIGNIFICANTLY
This information was provided to us by Equifax Information Services LLC, a consumer reporting agency.
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If you have any questions regarding this letter, write to Discover Bank, issuer of the Discover Personal
Loans, at P. O. Box 30954, Salt Lake City, UT 84130-0954.
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