P.O.
Box 31290
Salt Lake City, UT 84130-0290
December 19, 2024
John Candelaria
8451 De Soto Dr
Denver, CO 80229
Request ID: 241059648570416
Creditor: Capital One N.A.
Dear John Candelaria,
We're writing in response to your online request for pre-approval, submitted on December 19, 2024.
Unfortunately, we can't pre-approve you for a Capital One® QUICKSILVER credit card, SAVOR credit
card, VENTURE credit card, VENTUREONE credit card, PLATINUM credit card, QUICKSILVERONE credit
card, QUICKSILVERSECUREDCARD credit card, or SECUREDCARD credit card at this time. Rest assured,
the form you filled out online was not a credit card application and your credit score was not
affected.
Here are the reasons why we couldn't match you with an offer:
• Based on your credit report from one or more of the agencies on the back of this letter, too many
credit cards have recently been charged-off by a lender
• Based on your credit report from one or more of the agencies on the back of this letter, too many
credit cards have been charged-off by a lender
• Based on your credit report from one or more of the agencies on the back of this letter, there are too
many charged-off past or present credit obligations
• Based on your application information, there is no checking account
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you
with new products and services in the future.
Sincerely,
Capital One®
SEE REVERSE FOR IMPORTANT INFORMATION AND DISCLOSURES.
© 2024 Capital One. Capital One is a federally registered service mark.
CD0376/676495e9e560b97b9ab77276/P:N 1/QA-1
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 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.
Experian Equifax Information Services
701 Experian Parkway P.O. Box 740241
P.O. Box 2002 Atlanta, GA 30374
Allen, TX 75013 1-800-685-1111
1-888-397-3742 www.equifax.com
www.experian.com
LexisNexis Risk Solutions Inc. TransUnion Consumer Relations
RiskView Consumer Inquiry Department 2 Baldwin Place
P.O. Box 105108 P.O. Box 1000
Atlanta, GA 30348-5108 Chester, PA 19022
1-866-897-8126 1-800-888-4213
risk.lexisnexis.com/consumer-and-data-access-policies 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 Score: 515 Date: 2024-12-19 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, and public record or
score collection filed
Proportion of balances to credit limits on bank/
national revolving or other revolving accounts is
too high
Number of accounts with delinquency
Time since delinquency is too recent or unknown
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.
CD0376/676495e9e560b97b9ab77276/P:N 2/QA-1
