01
Before this decision is communicated
This template is structured. The working copy is being finalized by our subject-matter editors — directionally accurate today, refined shortly.
- Decision criteria applied to this applicant match the documented credit policy.
- Any exception to credit policy is documented with reviewer sign-off.
- Decision rationale references applicant-specific facts, not protected-class proxies.
- Adverse-action language has been pre-checked for bias-associated phrasing.
- Decision is consistent with how similarly situated applicants have been treated.