P.O.
Box 31290
Salt Lake City, UT 84130-0290
October 02, 2025
Juan Rivera
2627 Webster ave bsmt1
Bronx, NY 10458
Request ID: 4efhh8xzdk5cq5nc
Creditor: Capital One N.A.
Dear Juan Rivera,
We're writing in response to your online request for pre-approval, submitted on October 02, 2025.
Unfortunately, we can't pre-approve you for a Capital One account SPARKCASHPLUS credit card,
SPARKTRAVELELITE credit card, SPARKCASH credit card, SPARKMILES credit card, SPARKCASHSELECT
credit card, SPARKMILESSELECT credit card, or SPARKCLASSIC 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, insufficient
credit account experience
• Based on your credit report from one or more of the agencies on the back of this letter, insufficient
revolving account experience
• Based on your credit report from one or more of the agencies on the back of this letter, insufficient
credit card account experience
• Based on your credit report from one or more of the agencies on the back of this letter, original
amount of one or more personal finance loans are too low
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, LLC
P.O. Box 2002 P.O. Box 740241-0241
Allen, TX 75013 Atlanta, GA 30374
1-888-397-3742 1-800-685-1111
TransUnion Consumer Solutions
P.O. Box 1000
Chester, PA 19016
1-800-888-4213
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: 639 Date: 2025-10-02 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 Length of time accounts have been established
score Lack of recent revolving account information
Too many inquiries last 12 months
Too many consumer finance company accounts
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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