P.O.
Box 31290
Salt Lake City, UT 84130-0290
April 20, 2025
Joe Ornelas
2826 Squaw Creek Dr
San Antonio, TX 78230
Request ID: 248706530695660
Creditor: Capital One N.A.
Dear Joe Ornelas,
We're writing in response to your online request for pre-approval, submitted on April 20, 2025.
Unfortunately, we can't pre-approve you for a Capital One® QUICKSILVER credit card, SAVOR 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 application information, Capital One account credit limit(s) are too high
• Based on your credit report from one or more of the agencies on the back of this letter, there are too
many delinquent past or present credit obligations
• Based on your credit report from one or more of the agencies on the back of this letter, proportion of
revolving account balance(s) to credit limit or high credit is too high
• Based on your credit report from one or more of the agencies on the back of this letter, balance owed
on delinquent past or present credit obligation(s) is too high
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.
© 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 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
P.O. Box 105108 2 Baldwin Place
Atlanta, GA 30348-5108 P.O. Box 1000
1-866-897-8126 Chester, PA 19022
risk.lexisnexis.com/consumer-and-data-access-policies 1-800-888-4213
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: 577 Date: 2025-04-20 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
Amount past due on accounts
Number of accounts with delinquency
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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