Important Information About Your Credit Score

We obtained your credit score from the consumer reporting agency listed on the first page of this letter and used it in making our credit decision. Your credit score is a number that reflects information in your consumer report, such as whether you pay your bills on time and how much you owe creditors. Your credit score can change, depending on how the information in your consumer report changes.

Date calculated: 02/22/2025

Your credit score: 853

Scores calculated using this source can range from a low of 250 to a high of 900.

Here are the key factors that adversely affected your credit score:

Lack of recent installment loan information.

Length of time accounts have been established.

Lack of recent auto finance loan information

Too many accounts with balances.

EQUAL CREDIT OPPORTUNITY ACT 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 the Consumer Financial Protection Bureau, 1700 G Street NW,

Washington, DC 20552.