Dear Client,
This is regarding your credit application filed last [Insert Date]. After careful consideration we regret to inform you that we cannot process your application at this time. The credit reference of which you have listed have decline to give us pertinent information about your financial history.
Let me assure you that you can reapply for a credit evaluation after 6 months.
We are committed to providing you and all of our customers with the highest standards of service in the industry. If you have any questions please don't hesitate to call me at 555-2555-555.
Best Regards,
Loan Officer
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