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Hiring Manager: I grow tired of this applicant we interviewed two weeks ago. He is calling and asking us questions about when we will make our choice. Will he not learn? I think we should continue ignoring him and not even tell him if he was not picked. That would be expected. People do not want to hear from us right? So we will not even respond. Boy we are gonna save millions by not bothering to respond to applicants as well as the ones we actually interview.

Everyone else in the room: Excellent idea sir! We will be RICH!

Letter from - Belk
Submitted by - Anonymous
Last updated on 03/31/2003

And the letter reads:

DEAR XXXXXXXX

THANK YOU FOR YOUR APPLICATION FOR A BELK CREDIT ACCOUNT. UNFORTUNATELY, WE ARE UNABLE TO GRANT CREDIT TO YOU AT THIS TIME. THE REASON(S) WHY WE ARE UNABLE TO GRANT CREDIT IS/ARE:

ACCOUNTS WITH PAST/ PRESENT DELINQUENCIES
TOO FEW TRADE LINES PAID ON TIME
RECENT DELINQUENCY REPORTED

IN MAKING THIS DECISION A CREDIT REPORT WAS OBTAINED OR ATTEMPTED FROM:

EQUIFAX CREDIT INF SERVICES
PO BOX 740241

ATLANTA GA 30374-0241
800-685-1111

THIS AGENCY DID NOT MAKE THE DECISION AND CAN NOT EXPLAIN WHY THE DECISION WAS MADE. HOWEVER, THE AGENCY WILL PROVIDE YOU WITH A FREE COPY OF THE CREDIT REPORT IF YOU REQUEST IT WITHIN SIXTY DAYS. IF YOU BELIEVE THE INFORMATION IN THE REPORT IS NOT ACCURATE, YOU ARE ENTITLED TO A FREE OF CHARGE REINVESTIGATION. TO OBTAIN THIS, NOTIFY THE AGENCY THAT YOU ARE DISPUTING THE INFORMATION PROVIDED.

SINCERELY,

NEW ACCOUNTS DEPARTMENT

THE FEDERAL EQUAL CREDIT OPPORTUNITY ACT PROHIBITS CREDITORS FROM DISCRIMINATING AGAINSTS CREDIT APPLICANTS ON THE BASIS OR RACE, COLOR, RELIGION, NATIONAL ORIGIN, SEX, MARITAL STATIS, 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 ABY RIGHT UNDER THE CONSUMER CREDIT PROTECTION ACT. THE FEDERAL AGENCY THAT ADMINISTERS COMPLIANCE WITH THIS LAW CONCERNING THIS CREDITOR IS THE OFFICE OF THE CONTROLLER OF THE CURRENCY, CUSTOMER ASSISTANCE UNIT, 1301 MCKINNEY AVE., SUITE 3710, HOUSTON, TX 77010.

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