Consumer complaint received 2023-06-30
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XXXX XXXX  From : XXXX XXXX XXXX Re : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX My DOBXXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX XXXX XXXX XXXX APPLE CARD/GS BANK USA [ Company address for receipt of direct disputes ] Re : Disputing late fee on credit card that didnt mail bill or apply autopay Dear APPLE CARD/GS BANK USA I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : You did not mail me a bill My email address gets over 200 messages a day I always select autopay minimum account balance which either was unavailable or not used The Bank Name is different now With an XXXX score this card I apparently used the suggestion that I pay with Apple Card. 

in the App Store Total of XXXX  some dollars late 2 months plunged my score. Your algorithm doesnt look at that as a mistake should have investigated this as an outlier and investigated further before harming me Harm included difficulty in renting an apartment near where I will be receiving XXXX for XXXX XXXXXXXX diagnosed last Tuesday ( XX/XX/XXXX ) To enter the XXXX XXXX XXXX  I want I can have had only XXXX XXXX XXXX XXXX before joining. My fourth is today This will put me at XXXX XXXX XXXX unless mitigated with XXXX XXXX  You cant open an inquiry with your death being the disputed item Issuer constantly shoved confusing offers in the way of me trying to accomplish my objectives My life expectancy is a month if I dont get treatment started soon and every day of delay causes me to remain at elevated risk due to being restricted from further steroid use until installed I will have to try to control using XXXX of XXXX , and other approved XXXX that may extend my life but will not treat the underlying condition Your infliction of harm to me happened at a bad time and now in addition to researching open trial for XXXX XXXX I am forced to contend with what I see as a totally unfair need to forego best early XXXX I am copying XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to inflict justice onto you so you can explain in a court of law why a XXXX dollar two month late payment to someone utilizing less than 4 % of available credit, paif off home mortgage, and pay all known debts to XXXX at the end of each month to avoid the absurd interest rates youd impose on me for that transgression. 

My income in XXXX was XXXX in XXXX I own my own company I know nobody personally with a credit rating I had before all this : XXXX That was an excellent rating From now on, I will be evaluating your credit decisions and rate Y Id also note your young bank has ove XXXX CFPB complaints filed Your C ( XXXX XXXX ) XXXX from me could be boosted to XXXX for a XXXX payment to me. XXXX is a score maintained by my algorithms [ have attached a copy of my report with the accounts in question evident. 





Thank you for your assistance. 



Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( lead on my case } A copy of the credit report I got from the US Government whose clean and easy interface puts yours to shame Ps Have a Nice Day XXXX XXXX  From : XXXX XXXX XXXX Re : APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX PA XXXX My DOB:XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX APPLE CARD/GS BANK USA [ Company address for receipt of direct disputes ] Re : Disputing late fee on credit card that didnt mail bill or apply autopay Dear APPLE CARD/GS BANK USA I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : You did not mail me a bill My email address gets over 200 messages a day I always select autopay minimum account balance which either was unavailable or not used The Bank Name is different now With an XXXX score this card I apparently used the suggestion that I pay with Apple Card. 

in the App Store Total of XXXX some dollars late 2 months plunged my score. Your algorithm doesnt look at that as a mistake should have investigated this as an outlier and investigated further before harming me Harm included difficulty in renting an apartment near where I will be receiving therapy for XXXX XXXX  diagnosed last Tuesday ( XX/XX/XXXX ) To enter the XXXX XXXX XXXX  I want I can have had onlXXXX XXXX XXXX XXXX XXXX before joining. My fourth is today This will put me at XXXX XXXX XXXXh unless XXXX with XXXX XXXX You cant open an inquiry with your death being the disputed item Issuer constantly shoved confusing offers in the way of me trying to accomplish my objectives My life expectancy is a month if I dont get treatment started soon and every day of delay causes me to remain at elevated risk due to being restricted from further steroid use until installed I will have to try to control using XXXX of XXXX XXXX and other approved XXXXXXXX  that may extend my life but will not treat the underlying condition Your infliction of harm to me happened at a bad time and now in addition to researching open trial for XXXX XXXX I am forced to contend with what I see as a totally unfair need to forego best early XXXX I am copying XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I intend to inflict justice onto you so you can explain in a court of law why a XXXX dollar two month late payment to someone utilizing less than 4 % of available credit, paif off home mortgage, and pay all known debts to XXXX at the end of each month to avoid the absurd interest rates youd impose on me for that transgression. 

My income in XXXX was XXXX in XXXX I own my own company I know nobody personally with a credit rating I had before all this : XXXX That was an excellent rating From now on, I will be evaluating your credit decisions and rate Y Id also note your young bank has ove XXXX CFPB complaints filed Your C ( XXXX XXXX ) XXXX from me could be boosted to XXXX for a XXXX payment to me. XXXX is a score maintained by my algorithms [ have attached a copy of my report with the accounts in question evident. 





Thank you for your assistance. 



Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( lead on my case } A copy of the credit report I got from the US Government whose clean and easy interface puts yours to shame Ps Have a Nice Day Credit Report Prepared For XXXX XXXX XXXX Personal & confidential Date generated : XXXX XXXX XXXX At a glance XXXX Score XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Fair XXXX Account summary Open accounts8 XXXX  XXXX Accounts ever late1 Closed accounts6 Collections0 Average account age12 yrs 1 mo Oldest account22 yrs 4 mos Overall credit usage Chart Chart with 1 data point. 

1 % The chart has 1 Y axis displaying values. Data ranges from 1 to 1. 

1 % End of interactive chart. 

Credit used : {$2700.00} Credit limit : {$150000.00} Debt summary Credit card and credit line debt {$2700.00} Self-reported account balance {$0.00} Loan debt {$0.00} Collections debt {$0.00} Total debt {$2700.00} Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX  Personal information Name XXXX XXXX XXXX Also known as - Generational identifier - Year of birth XXXX Addresses XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Employers XXXX XXXXXXXX XXXX XXXX XXXX Personal statements No Statement ( s ) present at this time Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX  Open accounts XXXX Exceptional payment history {$0.00} Balance updated XX/XX/XXXX Account info Account nameXXXX Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$15000.00} Credit usage0 % Monthly payment {$0.00} Highest balance {$7500.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$650.00} Balance updated XX/XX/XXXX Account info Account nameXXXX  Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX, XXXX Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXXXXXX Balance {$650.00} Balance updatedXXXX XXXX XXXX Credit limit- Credit usage- Monthly payment {$0.00} Highest balance {$9400.00} Terms1 Month ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX APPLE CARD/GS BANK USA 2 late payments {$33.00} Balance updated XX/XX/XXXX Account info Account nameAPPLE CARD/GS BANK USA Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen. {$32.00} past due as of XX/XX/XXXX. 

Status updatedMay XXXX Balance {$33.00} Balance updatedXXXX XXXX XXXX Credit limit {$11000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXX Past due amount {$32.00} Highest balance {$33.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met 30 Past due 30 days 60 Past due 60 days Data Unavailable Contact info AddressXXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$1.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX  Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXX Balance {$1.00} Balance updatedXXXX XXXX XXXX Credit limit {$20000.00} Credit usage0 % Monthly payment {$1.00} Last Payment DateXXXX XXXX XXXX Highest balance {$3800.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$1800.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX  Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXX  Balance {$1800.00} Balance updatedXXXX XXXX XXXX Credit limit {$15000.00} Credit usage11 % Monthly payment {$40.00} Last Payment DateXXXX XXXX, XXXX Highest balance {$4000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX  Exceptional payment history {$0.00} Balance updated XXXX XXXX XXXX  Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$5000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXXXXXX Highest balance {$3300.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history {$230.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX  Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXXXXXX Balance {$230.00} Balance updatedXXXX XXXX XXXX Credit limit {$8500.00} Credit usage2 % Monthly payment {$40.00} Last Payment DateXXXX XXXX XXXX Highest balance {$5000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX XXXXXXXX XXXX  Exceptional payment history {$0.00} Balance updated XX/XX/XXXX Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeHome Equity Date openedXXXX XXXX XXXX Open/closedOpen StatusOpen/Never late. 

Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$75000.00} Credit usage0 % Monthly payment {$0.00} Last Payment DateXXXX XXXX XXXX Highest balance {$10000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX ND XXXX ND XXXX XXXX XXXX XXXX ND XXXX ND XXXX XXXX XXXX ND XXXX ND XXXX ND XXXX / Terms met ND No data for this period Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX XXXX LA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX Closed accounts XXXX XXXX XXXXXXXX Exceptional payment history {$0.00} Closed Account info Account nameXXXX XXXX XXXXXXXX Account XXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedClosed StatusClosed/Never late. 

Status updatedXXXX XXXXXXXX Balance {$0.00} Balance updatedXXXX XXXX XXXX Credit limit {$10000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$10000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX  Open/closedClosed StatusPaid, Closed/Never late. 

Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$15000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$8000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Comments Account closed at credit grantor 's request Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX XXXX XXXX  Exceptional payment history Closed Account info Account nameXXXX XXXX Account numberXXXX Original creditor- Company sold- Account typeCredit Card Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late. 

Status updatedXXXX XXXX Balance- Balance updated- Credit limit {$24000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$20000.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeHome Equity Date openedXXXX XXXX XXXX Open/closedClosed StatusPaid, Closed/Never late. 

Status updatedXXXX XXXX  Balance- Balance updated- Credit limit {$75000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$0.00} Terms- ResponsibilityJoint Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info AddressXXXX XXXX XXXX XXXX, LA XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXXXXXX XXXX XXXXDate generated : XXXX XXXX XXXX XXXX  Exceptional payment history Closed Account info Account nameXXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXX XXXX  Open/closedClosed StatusPaid, Closed/Never late. 

Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$1000.00} Monthly payment- Last Payment DateXXXX XXXX XXXX Highest balance {$120.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments Account closed at consumer 's request Prepared For XXXXXXXX XXXX XXXXDate generated XXXX XXXX XXXX XXXX XXXX XXXX Exceptional payment history Closed Account info Account nameXXXX XXXX Account XXXX Original creditor- Company sold- Account typeCredit card Date openedXXXX XXXXXXXX, XXXX Open/closedClosed StatusPaid, Closed/Never late. 

Status updatedXXXX XXXXXXXX Balance- Balance updated- Credit limit {$2500.00} Monthly payment- Last Payment DateXXXX XXXX, XXXX Highest balance {$2200.00} Terms- ResponsibilityIndividual Your statement- Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed Data Unavailable Contact info Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Comments- Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX Collection accounts No collection accounts reported. 

Prepared For XXXX XXXX XXXXDate generated : XX/XX/XXXX Public records No public records reported. 

Prepared For XXXX XXXX XXXXDate generated : XXXX XXXX XXXX  Inquiries XXXX XXXX Inquired on XXXX XXXX XXXX  Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX Credit scores XXXX Score XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  Your score is below the average score of U.S. consumers, though many lenders will approve loans with this score. 

What's helping Low revolving credit usage You've limited the use of your available revolving credit. 

Ratio of your revolving balances to your credit limits : 3 % For XXXX High Achievers, the average ratio of the revolving account balances to credit limits is less than 7 %. 

XXXX Scores evaluate the total revolving account balances in relation to the total credit limits on those accounts. People who keep their ratio of balances to credit limits low pose less risk to lenders than those with higher ratios. 

Long credit history You have an established credit history. 

Your oldest account was opened : 22 Years, 4 Months ago XXXX High Achievers opened their oldest account 25 years ago, on average. 

Average age of your accounts : 12 Years, 1 Month Most XXXX High Achievers have an average age of accounts of 9 years or more. 

XXXX Scores measure the age of the oldest account and the average age of all accounts being reported. Generally speaking, having a relatively long credit history and not opening many new accounts is reflective of lower risk. 

What's hurting Serious delinquency You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. 

Number of your accounts that were ever 60 days late or worse or have a derogatory indicator : 1 account Virtually no XXXX High Achievers have a 60 days late payment or worse listed on their credit report. 

The presence of a serious delinquency or derogatory indicator is a highly correlated predictor of future payment risk. People with previous late payments are more likely to pay late in the future. As these items age, they will have less impact on the XXXX Score. Most late payments stay on your report for no more than seven years. 

Recent missed payment You recently missed a payment or had a derogatory indicator reported on your credit report. 

Your most recent missed payment happened : 1 Month ago About 98 % of XXXX High Achievers have no missed payments at all. But of those who do, the missed payment happened nearly 4 years ago, on average. 

The presence of missed or late payments or derogatory indicators on a credit report, including the number of missed payments, how late they were and how recently they occurred, are correlated with future credit risk. Generally speaking, people who consistently pay their bills on time are less risky compared to people with recently missed payments. As missed payments age, they have less impact on a XXXX Score. 

Lack of recent non-mortgage loan information You have a lack of recent activity from a non-mortgage installment loan. 

Your credit report shows a {$0.00} balance on your non-mortgage loans ( such as auto or student loans ) or a lack of sufficient recent information about your loans. Having a non-mortgage installment loan with no missed payments and a low balance along with other types of credit demonstrates that a person is able to manage a variety of credit types. Having a 0 % installment loan balance to loan amount ratio is considered slightly more risky than having a low installment loan ratio. 

Few accounts paid on time You have an insufficient number of accounts that are currently paid as agreed. 

Number of your accounts currently being paid as agreed : 7 accounts XXXX High Achievers have an average of 6 accounts currently being paid as agreed. 

The XXXX Score considers the number of accounts showing on time payments. Generally, the higher the number reported the lower the risk. Compared to other people with a similar age of credit history, the number of accounts you have that are currently paid as agreed is low. 

Prepared For XXXX XXXX XXXX generated : XX/XX/XXXX Disclaimer About your XXXX Score XXXX or other XXXX Scores Your XXXX Score XXXX powered by XXXX XXXX is formulated using the information in your credit file at the time it is requested. Many but not all lenders use XXXX Score XXXX. In addition to the XXXX Score XXXX, we may offer and provide other base or industry-specific XXXX Scores ( such as XXXX Auto Scores and XXXX Bankcard Scores ). The other XXXX Scores made available are calculated from versions of the base and industry-specific XXXX Score models. 

Base XXXX Scores ( including the XXXX Score XXXX ) range from XXXX to XXXX. Industry-specific XXXX Scores range from XXXX. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower XXXX Score indicates to lenders that you may be a higher credit risk. There are many scoring models used in the marketplace. The type of score used, and its associated risk levels, may vary from lender to lender. But regardless of what scoring model is used, they all have one purpose : to summarize your creditworthiness. Keep in mind that your score is just one factor used in the application process. Other factors, such as your annual salary and length of employment, may also be considered by lenders when you apply for a loan. 

What this means to you : Credit scoring can help you understand your overall credit rating and help companies better understand how to serve you. Overall benefits of credit scoring have included faster credit approvals, reduction in human error and bias, consistency, and better terms and rates for American consumers through reduced costs and losses for lenders. Your lender or insurer may use a different XXXX Score than XXXX Score XXXX or other base or industry-specific XXXX Scores provided by us, or different scoring models to determine how you score.

Company response to consumer: Closed with explanation