Return-Path: Delivered-To: info@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id 2MsyM6NecmMFKgcAchKAPA (envelope-from ) for ; Mon, 14 Nov 2022 09:28:35 -0600 Return-path: Envelope-to: info@sterlingcal.com Delivery-date: Mon, 14 Nov 2022 09:28:35 -0600 Received: from wfbtxttc.outbound-mail.sendgrid.net ([159.183.167.124]:62194) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.94.2) (envelope-from ) id 1oubNz-0020V9-CG for info@sterlingcal.com; Mon, 14 Nov 2022 09:28:35 -0600 DKIM-Signature: v=1; a=rsa-sha256; c=relaxed/relaxed; d=fnbopartnercard.com; h=content-transfer-encoding:content-type:from:mime-version:subject:to: cc; s=s1; bh=z9PCLKHHGhDV8I2mWgFRVtq9GGur3NAODxQjKIfpqeI=; b=dVni12n+b2CMWVXXE4ZyjpzEIM636CgUTjhifEIcUKm6Z6ogOg7BY/rTs8mKivJJIKdW MbtN+PBJb8y7cDqN07XvkraZjiqoUcg0eeen23cEFHdqbADConkdrnDLABujIOM9FYsJ20 X+LMNLADT8rOVjsGbx4JdmfcaeCUy14wgePzErGrrrOzdMpKpxUm5u4LiGEqGb4vduTn3Y 6zShYFKtU0ygGWLzBMRjQitWaDGyVlCV3fsWIMm/iV2f+L8SMOKePWN/XzMqyakwzzTTJ0 11udHJAIPDUWSY0rcLn8FZrr83R1mdUOvrzJoN3Tsx+wNLUQ4Nif4BMI+HHAH6KQ== Received: by filterdrecv-85cd7b65cf-h59wh with SMTP id filterdrecv-85cd7b65cf-h59wh-1-63725E97-59 2022-11-14 15:28:23.853522956 +0000 UTC m=+330517.805009324 Received: from MjU5ODU5MjE (unknown) by geopod-ismtpd-5-1 (SG) with HTTP id JlRs7CJmQGWTU3ZGktWemQ Mon, 14 Nov 2022 15:28:23.773 +0000 (UTC) Content-Transfer-Encoding: quoted-printable Content-Type: text/html; charset=us-ascii Date: Mon, 14 Nov 2022 15:28:23 +0000 (UTC) From: app@fnbopartnercard.com Mime-Version: 1.0 Message-ID: Subject: Information Regarding Your Credit Card Application X-SG-EID: =?us-ascii?Q?vnPiTisw7U11J5N1DeajkPEIcYR1pZgV3FcfHqW4Z1xP7KcLfGmnLIGm1yLhMH?= =?us-ascii?Q?o0VWhKkoSSuhPH1BPHHuJQUD7QCgMpK5Cj411y4?= =?us-ascii?Q?AlTEIPNNWdwz77mWTQtiVuN3640MRcMtw2zVi+z?= =?us-ascii?Q?yPwFd3OOqdbO1XrhnJj12=2FNOqaGmwBf=2F06M7zv0?= =?us-ascii?Q?f4DAtHSr25RgV11w2vqRaLwVmoe10t4FQ1g=3D=3D?= X-SG-ID: =?us-ascii?Q?N2C25iY2uzGMFz6rgvQsb8raWjw0ZPf1VmjsCkspi=2FJuMCrrB0fqE+L3zbCBBK?= =?us-ascii?Q?y5eb99S073Jw6RXLC6p8z1WeMp7kWqmgUIWlVZS?= =?us-ascii?Q?H4BJJXyeU9MtUnzrAPSArnxfkeiKQ9DIkpO2Yh4?= =?us-ascii?Q?tUGOe7fb7VbkBKZVurovwXzqS6C4ipcg+uNEO=2Fk?= =?us-ascii?Q?zTHeQA1jgcU=2Fy?= To: info@sterlingcal.com X-Entity-ID: AZPKot0ZMMHhUEedTHzkMA== X-Spam-Status: No, score=-0.1 X-Spam-Score: 0 X-Spam-Bar: / X-Spam-Flag: NO

First National Bank of Omaha

Andrew Sterling

321 TILDEN AVE

LOS ANGELES

CA

90049-3208

11/14/2022

=20
=20

Dear Andrew Sterling

=20

Thank you for your recent application. Your request for a credit card account was carefully considered.=20 We regret that we are unable to approve your application at this time= , for the following reason:

=20

BANKRUPTCY

=20

Your Right to Get Your Credit Report

In evaluating your application the consumer reporting agency listed b= elow provided us with information that in whole or in part influenced our decision. The consumer reporting agen= cy played no part in our decision and is unable to supply specific reasons why we have denied credit to you. Y= ou have a right under the Fair Credit Reporting Act to know the information contained in your credit file a= t the consumer reporting agency. It can be obtained by contacting:
TransUnion Customer Relations,

2 Baldwin Place

P.O. Box 1000 Chester

PA 19016,

1-800-888-4213 or go to

www.transunion.com/myoptions

You also have a right to a free copy of your report from the reportin= g 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 th= e matter with the reporting agency.

=20

Information About Your Credit Score

We also obtained your credit score from this consumer reporting age= ncy and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how information in your credi= t report changes.

=20

Your credit score is 599 (Scores may range from a low of 250 to a high of 900; certain exclu= sion scores may exist)

Your credit score was obtained on 11/14/2022

The key factors that adversely affected your credit score were:

SERIOUS DELINQUENCY

AND PUBLIC RECORD OR COLLECTION FILED

TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED

LACK OF RECENT INSTALLMENT LOAN INFORMATION

LENGTH OF TIME REVOLVING ACCOUNTS HAVE BEEN ESTABLISHED

TOO MANY INQUIRIES IN LAST 12 MONTHS

=20 =20

If you have any questions regarding this decision, you may contact us= at=20 First National Bank of Omaha Partner Program PO Box 3041 Omaha, NE, 6= 8103-0696.

=20

Sincerely,

FNBO

The Federal Equal Credit Opportunity Act prohibits creditors from dis= criminating against credit applicants on the basis of race, color, religion, nati= onal 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 derive= s from any public assistance program; or because the applicant has in good faith= exercised any right under the Consumer Credit Protection Act. The Federal agenc= y that administers compliance with this law concerning this creditor is the Bureau of Co= nsumer Financial Protection, 1700 G Street NW.,Washington DC 20006.

3D""