Thank you for your application for a Bank of America Visa Platinum credit card account. We regret we're unable to approve your request at this time. The reason for our decision is: In reaching our decision, we relied on information contained in the consumer credit file from the consumer credit reporting agency: TRANS UNION, 2 BALDWIN PLACE, P.O. BOX 1000 CHESTER, PA 19022, (800) 888-4213. The consumer credit reporting agency did not make the credit decision and is unable to provide you with the specific reasons for our decision.