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Date: September 12, 2024, 03:33:27 AM Central Time
Applicant's Name: Isaac Hobart
Account #: 24524455
Application #: 2024TN237550236
Applicant's Address: 424 Carter House Rd, La Vergne, TN, US, 37086

Dear Applicant: Thank you for your recent application. We regret that we are unable to approve your request for consumer credit.

Your application was processed by a credit scoring system that assigns a numerical value to the various items of information we consider in evaluating an application. These numerical values are based upon the results of analyses of repayment histories of large numbers of customers.

The information you provided in your application did not score a sufficient number of points for approval of the application. The reasons you did not score well compared with other applicants were

• Amount of past or present loan debt
• TransUnion Vantage Score
• SageStream Credit Optics Score
• Number of recently opened trade lines
• Months since most recent finance installment delinquency

In evaluating your application the consumer reporting agencies listed below provided us with information that in whole or in part influenced our decision. The consumer reporting agencies played no part in our decision and are unable to supply specific reasons why we have denied credit to you. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agencies. It can be obtained by contacting:

TransUnion
2 Baldwin Place
P.O. Box 1000
Chester, PA 19022
1-800-888-4213

LexisNexis Risk Solutions Inc.
LexisNexis Risk Solutions Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108
1-866-897-8126

SageStream / LexisNexis Risk Solutions
Consumer Center
P.O. Box 105108
Atlanta, GA 30348-5108
1-888-395-0277

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 agency.

If you have any questions regarding this notice, you should contact:

Creditor: TAB Bank
TAB Bank c/o NetCredit, as servicer
175 W. Jackson Blvd., Suite 600
Chicago, IL 60604
Phone: (877) 392-2014

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: Division of Depositor and Consumer Protection, National Center for Consumer and Depositor Assistance, Federal Deposit Insurance Corporation, 1100 Walnut Street, Box #11, Kansas City, MO 64106.