Thanks for your reply Brammy. I was looking for a store card. I shop a lot at Best Buy. I have like 9 sub prime credit cards. here is the reason for decline.
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MER: Best Buy
Thank you for applying for a credit account for use at the above merchant. Your application was processed for a Private Label Credit Card Account and a BankCard Credit Card Account issued by HSBC Bank Nevada, N.A. Unfortunately, we are unable to approve you for the Private Label Credit Account due to the following reasons:
TOO MANY RECENT INQUIRIES
In addition, we are unable to approve your credit application at this time for a BankCard Credit Card account. To obtain specific information as to the reasons for this, please write us at the P.O. Box stated below or phone us at (302) 327-2816 within 60 days of your receipt of this letter. We will send you a written statement of the specific reasons for denial within 30 days of receiving your request.
Our credit decision was based, in whole or in part, on information provided by the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit profile.
TransUnion Corp
P.O. Box 1000
Chester, PA 19022
800-888-4213
http://www.transunion.com/direct
The credit bureau did not make the decision nor is it able to provide specific reasons for our action. Under the Fair Credit Reporting Act, you have the right to receive a copy of your credit report at no charge. To do so, please contact the agency listed above within 60 days of your receipt of this letter. You have the right to dispute inaccurate or incomplete information in your credit report by contacting the credit bureau directly.
Si quisiera que le proporcionemos una traduccion, sirvase comunicarse con nosotros escribiendo a:
HSBC Bank Nevada, N.A.
P.O. Box 98734
Las Vegas, NV 89193-8734
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 that 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 Office of the Comptroller of the Currency, Consumer Assistance Group, 1301 McKinney Street, Suite 3450, Houston, TX 77010-9050.
California Residents: Within 60 days of your receipt of this letter, you may obtain a copy of your credit report at no charge by contacting the credit bureau named on this letter, or any other credit bureau which maintains files on consumers on a national basis. You have the right to dispute the accuracy or completeness of any information in your credit report.
Washington Residents: Washington State law against discrimination prohibits discrimination in credit transactions because of race, creed, color, national origin, sex or marital status. The Washington State Human Rights Commission administers compliance with this law.
Massachusetts Residents: You have the right to obtain a free copy of your credit report within 60 days of your receipt of this letter from the consumer credit reporting agency which has been identified on this notice. The consumer credit reporting agency must provide someone to help you interpret the information on your credit report. Each calendar year you are entitled to receive, upon request, one free consumer report.
You have the right to dispute inaccurate information by contacting the consumer credit reporting agency directly. If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the agency must then, within 30 days, reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a statement to the consumer credit reporting agency, to be kept in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about the disputed information in a report it issues about you. The state agency that administers compliance with the state law is the Massachusetts Commission Against Discrimination, One Ashburton Place, Boston, Massachusetts 02108.
HSBC Card Service Inc., HSBC Card Services (II) Inc., and/or Household Corporation, affiliates of HSBC Bank Nevada, National Association, provide administrative and processing services for this credit card or line or credit program.
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