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The denial of your business credit application was based in whole or part upon the following reason(s): Information from commercial credit bureau Insufficient credit history or length of time in business Insufficient credit references Unable to verify credit references Delinquent past or present credit obligations Our previous credit experience with your business Record of account(s) placed with a collection agency Record of tax or other liens Bankruptcy Items of public record Other: In evaluating your business credit application, NO consumer reporting agency provided us with information that in whole or part influenced our decision..