[Date]

[Addressee]

Dear [Name]:

Thank you for your recent application for credit with 
our firm. 

We regret to inform you that we cannot extend credit 
terms to you at the present time, based on the report 
we received back from our credit bureau: 

[name of agency, full address and phone number]

If you feel that there may be some errors in the records 
at the credit reporting agency, we suggest that you contact 
them and review their current information. In the event that 
there have been errors made, please direct them to submit 
a revised report to us for our reconsideration. 

We would be most happy to welcome you as a customer 
and to accommodate you in any way possible under the 
circumstances. We do have a layaway plan and various 
other options that are available to our cash customers. 

Please feel free to call me if you have any questions or 
if I can be of assistance to you in any way. 

Yours very truly,

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