Advance America

NOTICE OF ACTION TAKEN AND STATEMENT OF REASONS

Application ID: 53154aff

Date: 09/15/2023

Applicant's Name: Michael Calvin

Applicant's Address: 1606 North Elm Street ROLLA, MO 65401
Description of Requested Transaction: Consumer Loan
Description of Action Taken: Denied

Thank you for your recent application. We have reviewed your request and we regret that we cannot approve
your application at this time, for the following reason(s):

Part I: Principal Reason(s) for Credit Denial, Termination or Other Action Taken Concerning Credit:

Your application was processed using our proprietary scoring model that assigns a numerical value to various
attributes we receive from bureaus to evaluate your application for credit. 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:

You do not have direct deposit into your bank account for your income source(s).
Your CreditVision Link Short Term Risk Score is insufficient.
Insufficient years for existing credit profile
Recent delinquency (FactorTrust)

Part II: Disclosure of Use of Information Obtained from an Outside Source:

Our credit decision was based in whole or in part on information obtained in a report from the consumer reporting
agency or agencies 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 or agencies. The reporting agency or agencies
played no part in our decision and are 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 or agencies, 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.

FactorTrust, Inc., Attn: Consumer Inquiries, P.O.Box 390, Woodlyn, PA 19094, Consumer Support Hotline:
844-773-3321 (Reference ID: 88494598)

FTV11

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.

Date: 09/15/2023

Your credit score: 684

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Scores range from a low of 500 to a high of 900

Key factors that adversely affected your credit score:

NOT ENOUGH DEBT EXPERIENCE (FactorTrust)

INSUFFICIENT HISTORY ON ALTERNATIVE CREDIT FILE (FactorTrust)
NUMBER OF SATISFACTORY ALTERNATIVE CREDIT LOANS TOO LOW (FactorTrust)
INSUFFICIENT LOAN PAYMENT INFORMATION ON ALTERNATIVE CREDIT FILE (FactorTrust)
TIME SINCE MOST RECENT INQUIRY ON ALTERNATIVE CREDIT FILE IS TOO SHORT (FactorTrust)

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

FactorTrust, Inc., Attn: Consumer Inquiries, P.O.Box 390, Woodlyn, PA 19094, Consumer Support Hotline: 844-
773-3321

If you have any questions regarding this notice you should contact:

Creditor's Name: Advance America

Creditor's Mailing Address: 750 Shipyard Drive, Suite 300, Wilmington, DE 19801
Creditor's Telephone Number: 1-844-333-5493

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 Credit
Protection Act. The federal agency that administers compliance with this law concerning this creditor is: Federal
Trade Commission, Equal Credit Opportunity, Washington, DC 20580

This email, any attachment thereto, and the information therein, may contain privileged or the otherwise legally
protected confidential or proprietary information and communications of Advance America, Cash Advance
Centers, Inc. If you are not an intended recipient of this email, you are prohibited from using, distributing, or
publishing this email, any attachments, or information contained therein. Please report any misdirected emails by
calling and permanently delete this email and any copies thereof.

Adverse Action Template v1.0

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