Dear

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:

If you feel that there may be some errors in the records
of 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.