(your street city, state, zip) (date) (name street city, state, zip) Dear ____ (name): Thanks so much for your recent charge account application at ____ (name of company). Unfortunately, after much consideration we find that the information furnished by you does not meet our credit requirements. Perhaps we can consider your application request when your circumstances change. Our decision is based on the following: Length of employment No credit file Meantime, please feel free to take advantage of our layaway service. And, of course, our quality selections are available for cash. Sincerely, (Name) (Title)
