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    First Access Application

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    Ransom Holliday
    Kaden Ashton was denied a First Access Card due to not meeting the required PI Risk 5.0 credit score threshold of 628. The letter notes that the credit decision was based on information from ValidiFI and that key factors negatively affecting the score included a lack of history on the provided ID. Contact information is provided for questions about the credit score or denial.

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    First Access Application

    Uploaded by

    Ransom Holliday
    30 views2 pages
    Kaden Ashton was denied a First Access Card due to not meeting the required PI Risk 5.0 credit score threshold of 628. The letter notes that the credit decision was based on information from ValidiFI and that key factors negatively affecting the score included a lack of history on the provided ID. Contact information is provided for questions about the credit score or denial.

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    Kaden Ashton was denied a First Access Card due to not meeting the required PI Risk 5.0 credit score threshold of 628. The letter notes that the credit decision was based on information from ValidiFI and that key factors negatively affecting the score included a lack of history on the provided ID. Contact information is provided for questions about the credit score or denial.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    30 views2 pages

    First Access Application

    Uploaded by

    Ransom Holliday
    Kaden Ashton was denied a First Access Card due to not meeting the required PI Risk 5.0 credit score threshold of 628. The letter notes that the credit decision was based on information from ValidiFI and that key factors negatively affecting the score included a lack of history on the provided ID. Contact information is provided for questions about the credit score or denial.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    First Access Card

    PO Box 89028
    Sioux Falls, SD 57109-9028
    1-888-244-9784

    08/09/2023

    KADEN ASHTON
    56 W 400 N
    OREM, UT 84057

    Dear KADEN ASHTON:


    Thank you for applying for a First Access Card, issued by The Bank
    of Missouri. Unfortunately, we are unable to approve your
    application at this time for the following reason(s):

    ● Did not meet PI Risk 5.0 Score threshold

    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 contained 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.

    Note: 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, and 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, The Bank of Missouri, is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106.
    ValidiFI
    2300 NW Corporate Blvd, Suite 241
    Boca Raton, FL 33431
    (855) 562-6678
    [email protected]

    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.
    Credit Score Name: PI Risk 5.0 Score
    Your Credit Score: 628
    Date: 08/09/2023
    Scores range from low of 400 to a high of 1600.
    Key factors that adversely affected your credit score:

    ● Not Enough History on Provided ID

    If you have any questions regarding your credit score, you should
    contact ValidiFI at 2300 NW Corporate Blvd, Suite 241, Boca Raton,
    FL 33431 Toll-free telephone number: (855) 562-6678.
    If you have any questions regarding this notice, please contact us
    at First Access Card PO Box 89028 Sioux Falls, SD 57109-9028 or call
    us at 1-888-244-9784 during the hours of 8:00am to 5:00pm Central
    Time Monday through Friday.

    Sincerely,

    Card Services

    34613530

    Note: 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, and 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, The Bank of Missouri, is the FDIC Consumer Response Center, 1100 Walnut Street, Box #11, Kansas City, MO 64106.

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