Card Services
P.O. Box 8828
Wilmington, DE 19899-8828



WESLEY GUTZMER
16 STERLING CIRCLE
108
WHEATON, IL 60189
September 4, 2011


RE: Application ID# 29609456

Dear WESLEY GUTZMER,

Thank you for your recent application for a credit card issued by Barclays Bank Delaware.

We regret that we're unable to approve you for a credit card account due to the following reason(s):
Too few accounts with sufficient satisfactory performance
In evaluating your application, the consumer reporting agency listed below provided us with information that in whole or in part influenced our decision. The reporting agency played no part in our decision other than providing us with credit information about you, and is unable to supply specific reasons why we have denied credit to you. Under the Fair Credit Reporting Act, you have a right to know the information provided to us. It can be obtained by contacting: EXPERIAN, PO BOX 2002, ALLEN, TX  75013, 888-397-3742
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.

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 credit report. Your credit score can change, depending on how the information in your credit report changes.
Your credit score:0
Date:09/04/2011
Scores range from a low of 300 to a high of 850
Key factors that adversely affected your credit score:
For assistance with any other questions regarding this letter, please contact us at:
Card Services
P.O. Box 8828
Wilmington, DE 19899-8828
Sincerely,

Card Services




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 (within certain limited exceptions); 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 Federal Deposit Insurance Corporation, 2345 Grand Blvd, Suite 100, Kansas City, MO, 64108.





Barclays Bank Delaware