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Shannon Cleaves' application for a private student loan was denied. The credit scoring system assigned a numerical value to various application factors and Shannon did not score enough points for approval. Specifically, the score did not qualify and a Hawk Alert was found on the credit report. Shannon has the right to obtain their credit report from Trans Union within 60 days to review for any inaccurate or incomplete information.

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Nakiel Rowe

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Statement of Credit Denial

Date:10/24/2023

Application for private student loan for Student: Shannon Cleaves

Application ID: 000549999TMXN00I

Dear Shannon Cleaves,

Thank you for your recent application for a private student loan. We have carefully reviewed
your application and regret that we are unable to approve your request at this time. Please read
on to view information regarding this decision.

Reasons for Denial of Credit

Your application was processed by a credit scoring system that assigns a numerical value to the
various items of information we consider in evaluating an application. These numerical values
are based upon the results of analyses of repayment histories of large numbers of customers.

The information you provided in your application did not score a sufficient number of points for
approval of the application. The reasons you did not score well compared with other applicants
were:

• Score Does Not Qualify.

• Hawk Alert Found On Report.

Your Right to Get Your Credit Report

In evaluating your application the consumer reporting agency listed below provided us with
information that in whole or in part influenced our decision. The consumer reporting agency
played no part in our decision and is unable to supply specific reasons why we have denied
credit to you. You have a right under the Fair Credit Reporting Act to know the information
contained in your credit file at the consumer reporting agency. It can be obtained by contacting:
Trans Union Consumer Relations, 2 Baldwin Place, PO Box 1000 Chester PA 19022, (800) 888-
4213, www.transunion.com/myoptions. 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.

Version 120211 Page 1

Information About Your Credit Score
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 credit
report. Your credit score can change, depending on how the information in your credit report
changes.

Your credit score: No Credit Score

Date: 10/24/2023
Scores range from a low of 300 to a high of 850

Key factors that adversely affected your credit score:

• N/A

If you have any questions regarding this letter, please contact your Financial Aid Office.

NOTICE
The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit
applications 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:
FDIC, Consumer Response Center, 1100 Walnut St, Box #11, Kansas City, MO 64106