Statement of Credit Denial, Termination or Change

Date: 09/18/2025

Applicant's Name: Isaac Hobart

Applicant's Address: 424 , CARTER HOUSE RD, La Vergne, TN 37086

Description of Account, Transaction, Credit: C3T-BB3-0049

Description of Action Taken: Denial

Part I - Principal Reason(s) for Credit Denial, Termination, or Other Action Taken Concerning Credit

This section must be completed in all instances.

  • No Business Area
  • Income insufficient for amount of credit requested
  • Bankruptcy
  • Garnishment or attachment
  • Collection action or judgment
  • Limited credit experience
  • Unable to verify residence
  • Unable to verify income
  • Excessive obligations in relation to income
  • Unable to verify employment
  • Temporary or irregular employment
  • Unable to verify credit references
  • Credit application incomplete
  • Duplicate application
  • Other - Express withdrawal by applicant
  • Other - Could not verify customer identity
  • Other -Unable to grant credit in substantially the amount or terms requested

Our credit decision was based in whole or in part on information obtained from an affiliate or from an outside source other than a consumer reporting agency. Under the Fair Credit Reporting Act, you have the right to make a written request, no later than 60 days after you receive this notice, for disclosure of the nature of this information.

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

Creditor's name: Northern Star Lending LLC

Creditor's address: PO Box 818, Keshena, WI 54135

Creditor's telephone number: (877) 335-5990

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 (name and address as specified by the appropriate agency listed in appendix A).

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