Synchrony Bank,

Creditor
P.O. BOX 965002
ORLANDO, FL 32896-5002

39970

BA/05

!917544!

NIKHIL A KOTHARI
527 W POMONA BLVD
APT B
MONTEREY PARK CA 91754

11/30/2015

Synchrony Bank has received your request for credit for a credit program with BANANA REPUBLIC VISA.
request cannot be approved at this time. The boxes checked indicate the following:

Regretfully, your

The request was judgmentally reviewed and denied for the following reason(s):
X

Our decision was based in part on a credit scoring system that was used to evaluate your application . The reason(s)
where you did not score well compared with other applicants have been determined and are listed below:
AVERAGE NUMBER OF MONTHS ALL CREDIT ACCOUNTS HAVE BEEN OPEN IS TOO LOW
AVERAGE RATIO OF REVOLVING BALANCES TO CREDIT LIMITS IS TOO HIGH
HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH
If more than one agency is disclosed below and if box above is completed, the reason(s) shown in that box are based
on the report provided by the first listed agency.

Some information used to make this decision was obtained from the credit reporting agency (agencies) listed below.
This credit-reporting agency (agencies) did not make this credit decision and is unable to provide you with the
specific reason(s) for our action. If you want a copy of your credit report, or if you think that there is an error in your
credit report, please contact the consumer reporting agency.
T.U. CONSUMER RELATIONS
2 BALDWIN PLACE, PO BOX 1000
CHESTER, PA 19022
800-888-4213
Information from an outside source other than a consumer reporting agency was relied on in whole or in part in reaching
our decision.

Please see reverse side for more information & Continued on next page

O1BX5966

Information about your Credit Score used in this evaluation for credit
In addition, we also used a credit score developed by us 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. The
credit score below was developed using standard industry methods and was used to evaluate your application. The credit score may
differ from the score you obtain from a consumer reporting agency.
Your Credit Score: 414
Date: 11/26/15
Scores range from a low of 300 to a high of 620.
Key factors that adversely affected your credit score:
AVERAGE NUMBER OF MONTHS ALL CREDIT ACCOUNTS HAVE BEEN OPEN IS TOO LOW
AVERAGE RATIO OF REVOLVING BALANCES TO CREDIT LIMITS IS TOO HIGH
HIGHEST RATIO OF REVOLVING BALANCE TO CREDIT LIMIT IS TOO HIGH

SINCERELY,
CREDIT MANAGER
Synchrony Bank
P.O. BOX 965002
ORLANDO, FL 32896-5002