PAUL SMITH
2365 S Mayfield Ave
Chicago, IL 60652
Cell: (123)-555-1234
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear PAUL SMITH,
Thank you very much for your last letter. I have received the notice stating that my loan application has been denied due to bad credit history. There must be some kind of mistake here, because I have never applied for a loan of this amount in the past, and all of the smaller loans I have been granted were all settled on time. Perhaps there has been some kind of mistake in the records. Would it be possible for you to check again and reconsider my application? Thank you very much for your help.
Sincerely,
Balbo