64, East 6 Street,
Lewistown, Montana, 03278,
[Subject: Normally bold, summarizes the intention of the letter] -Optional-
Dear Arnold Den,
Thank you for getting back to me regarding my recent loan application. In your letter, you mentioned that it was being denied due to “unfavorable credit history.” I find this quite surprising, because first of all, this is the first major loan that I am applying for. Secondly, I do not have any outstanding debts. Could you please check again and explain to me how this decision was reached? I cannot help but think that some of the information you have received is inaccurate. Perhaps a review of my accounts will clarify matters. I appreciate any help you can provide me and look forward to hearing from you soon.