A declined customer wants to know why their EA application was declined. What should you advise to them?
If a customer's Easy Advance (EA) application is declined, you should advise them as follows: 1. **Privacy and Confidentiality:** Explain that for privacy and security reasons, you may not have access to the specific reasons for the decline. Lenders typically do not provide detailed decline reasons to tax preparers due to confidentiality policies. 2. **Lender Contact:** Advise the customer to contact the lender directly. The lender is the entity that reviews the EA application and makes the decision. They can provide more information about why the application was declined. 3. **Adverse Action Notice:** Inform the customer that they should receive an adverse action notice from the lender. This notice will explain the reasons for the decline. It may be sent via mail or electronically, depending on the communication preferences established with the lender. 4. **Review Credit Report:** Suggest that the customer reviews their credit report if the decision was based on information obtained from a credit reporting agency. They are entitled to a free copy of their credit report from each of the three major credit bureaus once every 12 months through AnnualCreditReport.com. 5. **Correct Errors:** If there are any inaccuracies on their credit report, advise them to dispute the errors with the credit bureau. Incorrect information can negatively impact credit decisions. 6. **Other Factors:** Remind the customer that EA eligibility can depend on various factors, including tax return information, expected refund amount, credit history, and other risk assessment criteria used by the lender
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