P.O.
Box 31290
Salt Lake City, UT 84131-0290
June 04, 2025
Sam Laudone
24 Union St
Cambridge, MA 02141
Application ID: 20000038842505
Creditor: Capital One N.A.
Dear Sam Laudone,
Thank you for applying for a credit card issued by Capital One®. We have reviewed your application
and information obtained from your consumer credit report(s) from the consumer reporting agencies
detailed on the back of this letter. Because your credit score was reported as missing or invalid, we
also considered additional information provided by LexisNexis Risk Solutions Inc. Unfortunately, after
considering the information available, we cannot approve your request at this time.
The reason(s) for our decision are:
• Based on your credit report from one or more of the agencies on the back of this letter, unable to
validate phone number provided (LexisNexis Risk Solutions Inc.)
• Based on your credit report from one or more of the agencies on the back of this letter, credit
bureau information is missing or unavailable
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.
© 2025 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, LLC Experian
P.O. Box 740241-0241 P.O. Box 2002
Atlanta, GA 30374 Allen, TX 75013
1-800-685-1111 1-888-397-3742
www.equifax.com www.experian.com
TransUnion Consumer Solutions LexisNexis Risk Solutions Inc.
P.O. Box 1000 P.O. Box 105108
Chester, PA 19016 Atlanta, GA 30348-5108
1-800-888-4213 1-866-897-8126
www.transunion.com/myoption risk.lexisnexis.com/consumer-and-data-access-policies
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 this specific credit score, please
contact the consumer reporting agency at the address or telephone number provided.
Your Credit Score Score: Missing or Invalid Date: None
Available
Source: None Available
Understanding Your Credit Score
The range of scores Scores range from a low of N/A to a high of N/A.
Key factors that adversely affected your credit • Score not available; Insufficient or unknown
score credit history
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.
© 2025 Capital One. Capital One is a federally registered service mark.
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