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Home Depot Credit Services
PO Box 7032
Sioux Falls, SD 57117-7032


Dear Sir,

Based on a review of The Home Depot Credit Card account referenced above, we find it necessary to reduce your credit line. Your new Total Credit Line is $700. Our decision was based on a credit scoring system that assigned a numerical value to various items on your credit report. The result did not meet our requirements because your credit report shows:

SERIOUS DELINQUENCY AND PUBLIC RECORD OR COLLECTION FILED
AMOUNT OWED ON DELINQUENT ACCOUNTS
DELINQUENCY DATE TOO RECENT OR UNKNOWN
LEVEL OF DELINQUENCY OF ACCOUNTS

Our credit decision was based, in whole or in part, on information obtained in a report from the consumer reporting agency listed below. You have a right under the Fair Credit Reporting Act to know the information contained in your credit file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply the specific reasons why we have denied credit to you.

You also have a right to a free copy of your credit report from the consumer 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.

EQUIFAX
1550 Peachtree St
Maildrop h-13
Atlanta, GA 30309
800-685-1111

If your credit report is not correct, we would be willing to reconsider our decision. However, in order for us to do this, please send a copy of your updated credit report within 30 days from the date of this letter. Please be sure to include the account number that is on this letter.

If you have any questions regarding this matter, please call us at the number listed below.

Sincerely,

Customer Service

423-467-6957

FEDERAL REGULATIONS REQUIRE THE FOLLOWING STATEMENT

The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of face, color, religion, national origin, sex martial status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicants 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, Customer Assistance Unit, 1301 McKinney Street, Suite 3450, Houston, TX 77010.

The creditor is Citibank (South Dakota), N.A., 701 E. 60th St. N., Sioux Falls, SD 57104. Please direct any questions to the return address on this letter.

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