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American Express - Credit Card Denial

The applicant was denied an American Express Blue Cash credit card due to having a low credit score according to Trans Union. The primary factors negatively impacting the applicant's credit score included a serious delinquency, too few accounts currently paid as agreed, and lack of recent revolving account information. The applicant has the right to obtain their consumer report and dispute any inaccurate information within 60 days.

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Kunal Jain
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2K views

American Express - Credit Card Denial

The applicant was denied an American Express Blue Cash credit card due to having a low credit score according to Trans Union. The primary factors negatively impacting the applicant's credit score included a serious delinquency, too few accounts currently paid as agreed, and lack of recent revolving account information. The applicant has the right to obtain their consumer report and dispute any inaccurate information within 60 days.

Uploaded by

Kunal Jain
Copyright
© Attribution Non-Commercial (BY-NC)
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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American Express 

PO Box 31525
Salt Lake City, UT 84131
January 20, 2011
 
 
Reference:   USD
 
Dear ,
 
Thank you for your recent application for the Blue Cash SM from American Express.  After reviewing your
request, regrettably, we are unable to open an account for you at this time for the following reason(s):
 
 
Your consumer credit bureau score from Trans Union is too low  (See below)
Your consumer credit bureau score mentioned above was determined using a scoring system that
evaluated the information in your file at the consumer reporting agency named above.  The following are
the primary factors in your credit report that affected your credit bureau score:
 
Serious delinquency. 
Too few accounts currently paid as agreed. 
Lack of recent bank/national revolving information. 
Lack of recent revolving account information. 
 
 
Our credit decision was based in whole or in part on information obtained in a report from the consumer
reporting agency(ies) listed in this letter.  Please understand that the reporting agency(ies) played no part
in our decision and cannot supply you with specific reasons why we denied credit to you. You have a right
under the Fair Credit Reporting Act to obtain a free copy of your report from the reporting agency, if you
request it no later than 60 days after you receive this notice.  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.
 
An important notice concerning your rights is included.  The creditor is American Express Centurion Bank.
 
Applicants who were not approved for a new account at one time may qualify in the future. You are
welcome to apply for any of our cards, but please wait at least 30 days before submitting a new
application.
 
To learn more about protecting your credit, visit our Consumer Resources page
at www.americanexpress.com/consumerresources.  If you have any questions, please call 800-567-1083
or write to us at the address above.
 
Thank you for your interest in our service.
 
Sincerely,
 
Tammy Weinbaum
Vice President and General Manager
 
TW/ag
 
 
This customer service email was sent to you by American Express New Accounts Customer Service to
provide important information about your application.  You may receive customer service emails even if
you have requested not to receive email marketing offers from American Express.
 
PLEASE DO NOT REPLY TO THIS EMAIL.  This mailbox cannot accept incoming email.
 
TransUnionConsumer Relations
P.O. Box 1000
Chester PA  19022
800-888-4213/ 800-916-8800
www.transunion.com/direct
 
Equifax Credit Information Services
PO Box 740241
Atlanta, GA  30374
800 685 1111
www.equifax.com/fcra
 
Experian
P.O. Box 2002
Allen, TX  75013
1 888 397 3742
www.experian.com/ra
 
 
Notice to U.S. Residents.
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 American Express Centurion Bank is the Federal Deposit Insurance Corporation,
FDIC Consumer Response Center, 2345 Grand Boulevard, Suite 100, Kansas City, MO 64108.  The
federal agency that administers compliance with this law concerning American Express Bank, FSB is the
Office of Thrift Supervision, Consumer Response Unit, 1700 G Street, NW., Washington, DC 20552.  The
federal agency that administers compliance with this law concerning American Express Travel Related
Services Company, Inc. is the Federal Trade Commission, Equal Credit Opportunity, Washington D.C.
20580.
 
Notice to Ohio Residents.
The Ohio state laws against discrimination require that all creditors make credit equally available to all
creditworthy 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.
 
Notice to Washington Residents.
The Washington state laws against discrimination prohibit discrimination in credit transactions because of
race, creed, color, national origin, sex, or marital status.  The Washington State Human Rights
Commission administers compliance with this law.
 

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