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[Senders Name]
[Address line 1]
[Address line 2]
[State, ZIP Code]

Sample Letter #1: Decline a request for credit

[Letter Date]

[Recipients Name]
[Address line 1]
[Address line 2]
[State, ZIP Code]


[Subject: Normally bold, summarizes the intention of the letter] -Optional-


Dear [Recipients Name],



We recently received your application for credit. We have carefully reviewed your application but are unable to facilitate your request. We would be happy to reassess your application if you were able to find a co-signatory for your loan.

Thank you for considering All Star finance for your financial needs.



Sincerely,

[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] -Optional-

cc: [Name of copy recipient] -Optional-