Military Star Denial Letters

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 1 of 7

Decline Letter Code: 001
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process considers many factors when assessing each application. Exchange Credit Program’s
mission is to provide responsible, affordable credit solutions to our cardholders, and we take seriously our
responsibility to ensure that our customers are adequately prepared to take on the required financial
obligations.
In order to provide a better understanding of the process, below are the factors which contributed to this
decision:
1. Information in your address, specifically the postal code to state combination, cannot be verified
with the United States Postal Service.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
If at any point in the future you have resolved the above issues, we invite you to reapply, and we look
forward to reviewing your application at that time.
For further information regarding your application or decision, please call our Exchange Credit Program
Contact Center at 1-877-891-STAR (7827) or email militarystar@aafes.com and include your application
number: {NUMBER}.
Sincerely,
Exchange Credit Program

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 2 of 7

Decline Letter Code: 002
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process included analysis of information we received from your application, as well as
information we obtained from a consumer reporting agency. The following factors contributed to this
decision:

38-Serious delinquency and public record or collection filed
18-Number of accounts with delinquency
08-Too many inquiries last 12 months
13-Time since delinquency is too recent or unknown

Our decision was based in whole or in part on information obtained in a report from:
CB
CONSUMER DISCLOSURE PROCESSING
P.O. BOX 981221
EL PASO, TX 79998-1221
UNITED STATES
(800) 685-1111
You have a right under the Fair Credit Reporting Act to a free copy of your credit report to dispute the
accuracy of the report from the above agency. This agency played no part in our decision other than
providing information from your credit report.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
Sincerely,
Exchange Credit Program

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 3 of 7

Decline Letter Code: ADF
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process included analysis of information we received from your application and attempted to
verify data that you submitted.
In order to provide a better understanding of the process, below are the factors which contributed to this
decision:
As a result of information received from the credit bureau while processing your application, we are
required to verify your identity. We were unable to contact you verify this information.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
The review process considers many factors when assessing each application. Exchange Credit Program’s
mission is to provide responsible, affordable credit solutions to our cardholders, and we take seriously our
responsibility to ensure that our customers are adequately prepared to take on the required financial
obligations.
For further information regarding your application or decision, please call our Exchange Credit Program
Contact Center at 1-877-891-STAR(7827) or email militarystar@aafes.com and include your application
number: {NUMBER}.
Sincerely,
Exchange Credit Program

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 4 of 7

Decline Letter Code: CBS
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process included analysis of information we received from your application and attempted to
verify data that you submitted.
In order to provide a better understanding of the process, below are the factors which contributed to this
decision:
System issues prevented the completion of the application process. Please contact us using the
information below to resubmit your application.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
The review process considers many factors when assessing each application. Exchange Credit Program’s
mission is to provide responsible, affordable credit solutions to our cardholders, and we take seriously our
responsibility to ensure that our customers are adequately prepared to take on the required financial
obligations.
For further information regarding your application or decision, please call our Exchange Credit Program
Contact Center at 1-877-891-STAR(7827) or email militarystar@aafes.com and include your application
number: {NUMBER}.
Sincerely,
Exchange Credit Program

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 5 of 7

Decline Letter Code: CRD
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process included analysis of information we received from your application and attempted to
verify data that you submitted.
In order to provide a better understanding of the process, below are the factors which contributed to this
decision:
System issues prevented the completion of the application process. Please contact us using the
information below to resubmit your application.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
The review process considers many factors when assessing each application. Exchange Credit Program’s
mission is to provide responsible, affordable credit solutions to our cardholders, and we take seriously our
responsibility to ensure that our customers are adequately prepared to take on the required financial
obligations.
For further information regarding your application or decision, please call our Exchange Credit Program
Contact Center at 1-877-891-STAR(7827) or email militarystar@aafes.com and include your application
number: {NUMBER}.
Sincerely,
Exchange Credit Program

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 6 of 7

Decline Letter Code: EDQ
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process included analysis of information we received from your application and attempted to
verify data that you submitted.
In order to provide a better understanding of the process, below are the factors which contributed to this
decision:
Your application requires additional information to complete the process. Please contact us using the
information below to resubmit your application.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
The review process considers many factors when assessing each application. Exchange Credit Program’s
mission is to provide responsible, affordable credit solutions to our cardholders, and we take seriously our
responsibility to ensure that our customers are adequately prepared to take on the required financial
obligations.
For further information regarding your application or decision, please call our Exchange Credit Program
Contact Center at 1-877-891-STAR(7827) or email militarystar@aafes.com and include your application
number: {NUMBER}.
Sincerely,
Exchange Credit Program

TEMPLATE - MILITARY STAR DENIAL LETTERS

Page 7 of 7

Decline Letter Code: FRZ
{FIRST} {LAST}
{STREET}
{CITY}, {STATE} {POSTAL CODE}
{DATE}
Dear {FIRST} {LAST},
After a thorough review, we regret to inform you that we are unable to approve your recent credit
application.
The review process included analysis of information we received from your application and attempted to
verify data that you submitted.
In order to provide a better understanding of the process, below are the factors which contributed to this
decision:
The credit bureau indicated that you placed a freeze on your credit bureau file. Until you, the applicant,
release this freeze, a credit application cannot be processed.
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 or 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 Federal Trade Commission, Equal Credit Opportunity, Washington, D.C.
20580.
The review process considers many factors when assessing each application. Exchange Credit Program’s
mission is to provide responsible, affordable credit solutions to our cardholders, and we take seriously our
responsibility to ensure that our customers are adequately prepared to take on the required financial
obligations.
For further information regarding your application or decision, please call our Exchange Credit Program
Contact Center at 1-877-891-STAR(7827) or email militarystar@aafes.com and include your application
number: {NUMBER}.
Sincerely,
Exchange Credit Program