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TCM Bank, NA

PO Box 105666
Atlanta, GA 30348-5666

Lisa Cedar
5800 hamner ave Sp 522
Mira Loma, CA 91752

Date: 11/12/2024
Application Number: 380873

Dear Lisa Cedar,

Thank you for your recent credit card application through Grinnell State Bank.
We were unable to process or approve your request due to the following reason(s):

• Unable to verify Applicant's identity


• Unable to verify information on application

Our credit decision was based in whole or in part on information obtained in a report from:

Experian
701 Experian Parkway
Allen, TX 75013
(800) 831-5614

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 the consumer reporting agency above.
You also have a right to a free copy of your report from the consumer 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. Any questions regarding
such information should be directed to the reporting agency.

If you have any questions regarding this letter, please call our Credit Department at 1-800-673-8709.

Sincerely,
TCM Bank, N.A.
Notice: 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 Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Office of the Controller of the Currency, Customer

Assistance Group, P.O. Box 53570, Houston, Texas 77052


Lisa Cedar Reference Number: 380873
5800 hamner ave Sp 522
Mira Loma, CA 91752

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.

Your Credit Score: 485


Date: Nov 5, 2024, 7:45:19 AM
Scores range from a low of 289 to a high of 900

Key factors that adversely affected your credit score:

• Too many delinquent or derogatory accounts


• Too many recent delinquencies
• No open bankcards in your credit file
• Lack of real estate secured loan information

If you have any questions regarding your credit score, you should contact Experian at:

Address:
701 Experian Parkway
Allen, TX 75013
[Toll-free] Telephone number:
(800) 831-5614 www.experian.com

If you have any questions regarding this letter, you should contact us at:
Creditor's name:
TCM Bank, N.A.

Address:
PO Box 105666
Atlanta GA 30348-5666

Telephone:
(888) 640-1092

Sincerely,
TCM Bank, N.A.

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