ADDRESS NOT FOR

CORRESPONDENCE/PAYMENTS
P.O. Box 9786
Coral Springs, FL 33075-9786
*12*
*12*

AA-2 s 0 0 5 7 0 2 ÌND1452440318NDÇÎ
Daniel Bracht
837 W Duke Dr
Tempe AZ 85283-1738

11/26/2023

Re: 33356507

Dear Applicant,

Thank you for your credit application with Conn's. Your request for credit was carefully considered, and we regret that we are unable
to approve your application at this time, for the following reason(s):

Too few accounts paid as agreed

No open bankcards in your credit file
Lack of real estate secured loan information
Number of inquiries was a factor in determining the score

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

EXPERIAN CREDIT SERVICES

CONSUMER SERVICES DEPARTMENT
P.O. Box 9532
ALLEN, TX 75013
WWW.EXPERIAN.COM
888-397-3742

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 receive 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 the
reporting agency. If you have any questions regarding this letter, you should contact us at address, telephone number or fax number
listed at the bottom of this letter.

Form C-2 / AA-2 N / Rev.01.2023

 1401 Rankin Rd. Suite #300
Houston, TX 77073
Ph. 800.511.5750 Fax 866.440.7559

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.

VANTAGE Credit Score 518 on 11/25/2023

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

Key factors that adversely affected your credit score:

Lack of real estate secured loan information

Too few accounts paid as agreed
No open bankcards in your credit file
Too many recent delinquencies
Number of inquiries was a factor in determining the score

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

EXPERIAN CREDIT SERVICES

CONSUMER SERVICES DEPARTMENT
P.O. Box 9532
ALLEN, TX 75013
WWW.EXPERIAN.COM
888-397-3742

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, D.C. 20580

Sincerely,

Conn's HomePlus
1401 Rankin Rd. Suite #300
Houston, TX 77073
Ph. 800.511.5750 Fax 866.440.7559

Conn Appliances, Inc., dba Conn's is the servicer-in-fact and attorney-in-fact for the current holder thereof. Please be advised that all calls may
be monitored and recorded for quality servicing purposes.

Form C-2 / AA-2 N / Rev.01.2023