Thank you for your interest in Masseys® Credit. Unfortunately, we are unable to pre-qualify you at this time.

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.

We also obtained a credit score from the consumer reporting agency named below and used it in making our credit decision. Your credit score is a number that reflects the information in your consumer report, ranging from a low of 1 to a high of 999. Your credit score can change, depending on how the information in your consumer report changes.

We obtained your score of on

The reasons you did not score well compared with other applicants were:

If you have questions regarding your credit score, you should contact the consumer reporting agency that provided the score at:

Equifax
P.O. Box 105283
Atlanta, GA 30348-5283
(877) 322-8228

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 the Consumer Financial Protection Bureau, 17 G St NW. Washington DC, 20552.

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