Today we received a letter from Comenity Capital Bank c/o Pay Pal Credit out of Timonium, MD. We were informed:
"This letter is in response to your recent request to open a PayPal Credit account. Our records show that you requested a PayPal Credit account on 10/21/2014 in connection with a purchase of $16.63 at eBay-Turbo Checkout.
We regret that we are unable to approve you for the service at this time for the following reason:
There was limited recent credit history in the credit file provided to us.
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 file at the consumer reporting agency. The reporting agency played no part in our decision and is unable to supply specific reasons why we have denied credit to you.
You also have the 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.