| Candidate Information | | Title | Real Estate Credit | | Target Location | US-SC-Goose Creek |
| | 20,000+ Fresh Resumes Monthly | |
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Click here or scroll down to respond to this candidateDate of Notice: 07/19/2024Reference Number: Street Address
Dear Danetra Miller,Thank you for your application for credit for automobile financing which we received from CARMAX - CHARLOTTE #7106. After carefully reviewing your application, we are sorry to advise you that we are unable to approve your financing request at this time. If you would like a statement of specific reasons as to why your application was denied, please contact us within 60 days from the date of this letter at the contact information provided above. We will provide you with a statement of reasons within 30 days after receiving your request.If we obtained information from a consumer reporting agency as part of our consideration of your application, its name, address and toll-free telephone number is shown below. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you.Your application authorized the dealer to submit the application to lenders, such as Exeter Finance, in an attempt to qualify you for financing and Exeter Finance obtained your credit report when it received your application. You should see an inquiry posted by Exeter Finance on your credit report.You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. You 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 received is inaccurate or incomplete, you have the right to dispute the matter with the reporting agency. You can find out about the information contained in your file (if one was used) by contacting: We also obtained your credit score from this 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 from this consumer reporting agency: Experian: 511 Date: 06/29/2024Scores range from a low of 300 to a high of 850Key factors that adversely affected your credit score: 68 Lack of real estate secured loan information03 Average time since accounts opened is too recent 53 Not enough balance paid down over time on installment accounts 04 Balances on accts too high compared to credit limits and loan amounts Sincerely,Exeter Finance LLCNOTICE: 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 Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580. Experian/ClarityPO Box 40Allen TX 75013PHONE NUMBER AVAILABLEhttps://consumers.clarityservices.comExperianPO Box 2002Allen TX 75013PHONE NUMBER AVAILABLEwww.experian.com/reportaccessRevision Date: 05.08.2024Adverse Action (A1)PHONE NUMBER AVAILABLE PDFE 001 672124 |
