09/05/2021
SERGIO LOPEZ Account Ending In: 0048
13557 HARVEST WAY
POPLAR GROVE IL 61065-7826
Dear SERGIO LOPEZ,
This letter contains important information regarding your Victoria's Secret credit card. Comenity Bank
issues your Victoria's Secret credit card and we handle all account-related requests.
We received your request for an increased credit limit . Because of information in your credit report, we are
unable to approve your request at this time. Your credit limit remains $400.00.
Here are our reasons for declining your request:
• Lack of real estate secured loan information
• Too few bankcards with high credit limit
• Delinquent or derogatory account
• Average time since revolving accounts opened is too recent
Below you will find some additional information regarding your credit score. Your score can change over
time as your credit information changes, and we hope you will consider reapplying for a credit limit
increase in the future.
We appreciate your business. Should you have any further questions or concerns, please contact us at
1-800-695-9478 (TDD/TTY 1-800-695-1788). We will be happy to assist you.
Sincerely,
Customer Care team
.........................................................................
Your credit score as of Sep 04, 2021: 658
In the scoring system we used, scores can range from 300 to the best possible score, 850. Please be
aware, there are a number of different credit scoring systems available, and each uses a different range of
numbers.
Here are the most significant factors impacting your credit score:
• Lack of real estate secured loan information
• Too few bankcards with high credit limit
Send Correspondence To
Comenity Bank
PO Box 182273 Columbus, OH 43218-2273
All Bankruptcy Notices/Related Correspondence To
PO Box 182125 Columbus, OH 43218-2125
499 008 001 C279 A 00000001 0048 2021-09-05 Page 1 of 2
• Delinquent or derogatory account
• Average time since revolving accounts opened is too recent
• Number of inquiries was also a factor, but effect was not significant
If you feel the credit history information shown above is inaccurate, we encourage you to contact the credit
bureau listed in this letter. They will be able to provide you answers about your credit history and how to
correct any inaccuracies.
How was your credit score determined.
Our credit-evaluating system assigns a numerical value, or score, to a number of pieces of credit bureau
information. The score is based on an analysis of the credit performance of a large number of consumers.
Your rights under the Fair Credit Reporting Act
We based our credit decision, in whole or in part, on information obtained in a report from the
consumer-reporting agency listed below. You have a right to know under the Fair Credit Reporting Act the
information contained in your credit file at the consumer-reporting agency. Please be aware that 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.
Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374
1-800-203-7843
http://www.equifax.com
Your rights under the Federal 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 that 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 Bureau of Consumer Financial Protection, 1700 G Street NW., Washington DC 20006.
Notice for Ohio residents
The Ohio laws against discrimination require that all creditors make credit equally available to all credit
worthy customers, and that credit reporting agencies maintain separate credit histories on each individual
upon request. The Ohio Civil Rights Commission administers compliance with this law.
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