                   [DENIAL OF CREDIT]

General rules:
     
     * Thank reader for interest in company and order, if 
        there was one.
     * Be gentle in refusal.
     * Never tell the applicant he or she was a "poor credit 
        risk".
     * Leave door open for future re-evaluation.
                         COMPANY
                         ADDRESS
                     CITY, STATE  ZIP




Date


Name
Address
City, State Zip


Dear                ,
     Thank you for your order and your recent credit 
application.
     Based on the information we have received, we cannot 
approve your credit line.
     If you believe our action is unjustified, or you can 
supply additional information, we would like to hear from 
you.  In the meantime, please continue to use our services 
on a cash basis, as you have to date.
     We look forward to serving you in the future.


Sincerely,



Name
Title

