Tarira Payton
805 S 15TH ST
MONROE, LA 71202
10/1/2022
Dear Tarira,
Thank you for your recent application. Your request for loan was carefully considered, and we regret that we are unable to
approve your application at this time, for the following reason(s):
Length of time accounts have been established
Serious delinquency
Number of accounts with delinquency
Ratio of balance to limit on bank revolving or other rev accounts too high
Our credit decision was based in whole or in part on information obtained in a report from one or more of the consumer
reporting agencies 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 agencies. The reporting agencies played no part in our decision and is/are 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 agencies, 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 agencies.
Experian TransUnion – Dispute Request
P.O. Box 4500 P.O. Box 2000
Allen, TX 75013 Chester, PA 19016-2000
1-888-397-3742 1-800-916-8800
http://www.experian.com/reportaccess/ http://www.transunion.com
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: 542
Date: 10/1/2022
Scores range from a low of 300 to a high of 850.
Key factors that adversely affected your credit score:
Serious delinquency
Ratio of balance to limit on bank revolving or other rev accounts too high
Number of accounts with delinquency
Length of time accounts have been established
www.sofi.com
If you have any questions regarding your credit score, you should contact Experian at:
Experian
P.O. Box 4500
Allen, TX 75013
1-888-397-3742
http://www.experian.com/reportaccess/
If you have any questions regarding this letter, you should contact us at:
SoFi Bank, N.A.
2750 East Cottonwood Pkwy, Suite 300
Cottonwood Heights, UT 84121
T:855.456.7634
Sincerely,
SoFi Bank, N.A.
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 Protection Act. The Federal agency that
administers compliance with this law concerning this creditor is the Office of the Comptroller of the Currency, Customer
Assistance Group, P.O. Box 53570, Houston, TX 77052.
www.sofi.com
