2022-06-23

John Thomas

3678 Ruthelen Street

Los Angeles, CA 90018

Re: Personal Credit Line Application through Upgrade, Inc

Dear John Thomas

Thank you for your recent application for a Personal Credit Line from Cross River Bank through Upgrade, Inc.
Your request was carefully considered, and we regret that we are unable to approve your application at this
time, for the following reason(s):

Serious delinquency, and public record or collection filled. Time since delinquency is too recent or
unknown. Too many accounts with balances. Too few accounts currently paid as agreed
Presence of a bankruptcy. Open revolving account balance/credit amount ratio is too high. No installment
accounts with valid credit amount. Too high proportion of accounts recently delinquency/derog
Recent derogatory item on file
Recent delinquency

The consumer reporting agency contacted that provided information that influenced our decision in whole or in
part was:

TransUnion Consumer Solutions FactorTrust, Inc.

P.O. Box 2000 Attn: Consumer Inquiries

Chester, PA 19022-2000 P.O. Box 3653

(800) 916-8800 Alpharetta, GA 30023

(844) 773-3321

The 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. You also have a right to a free copy of your report from the
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 received 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
TransUnion Consumer Solutions. If you have any questions regarding this letter, you should contact us at
Upgrade, Inc, 275 Battery Street, 23rd Floor San Francisco, CA 94111 (855) 997-3100.

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: 392

Date: 2022-06-23

Scores range from a low of 300 to a high of 850.

Key factors that adversely affected your credit score:

Serious delinquency, and public record or collection filled

Time since delinquency is too recent or unknown
Too many accounts with balances
Too few accounts currently paid as agreed

In addition to the factors listed above, the number of inquiries on the consumer's credit file has adversely
affected the credit score.

If you have any questions regarding your credit score, you should contact TransUnion Consumer Solutions at:

P.O. Box 2000

Chester, PA 19022-2000
 (800) 916-8800

Sincerely,

Cross River Bank

400 Kelby Street
14th Floor
Fort Lee, NJ 07024

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 FDIC, Consumer
Response Center, 1100 Walnut St., Box #11, Kansas City, MO 64106.