Credit Reference Letter. Sample letter


  1. Reference letters might be confusing, especially if you are not able to write a positive reference. The way you respond should be professional, polite and civil. Write only the truth and do not write based on your emotions. If the customer with the problem has a good credit record with your company and unavoidably made mistakes with his or her account, do not draw unnecessary attention to his or her mistakes by repeating them on the start and the end of your letter.
  2. Explain the objective of the letter and provide the name of the customer. If possible, also explain that the information is to be kept as secret.
  3. Provide the information he or she requested. If possible, check it with any forms or reports where you might have included with your reference.
  4. Check your grammar for free here


[Senders Name]
[Address line]
[State, ZIP Code]

[Letter Date]

[Recipients Name]
[Address line]
[State, ZIP Code]

[Subject: Normally bold, summarizes the intention of the letter] -Optional-

Dear [Recipients Name],

This letter is regarding your credit query on Allison Swenson. Mrs. Swenson has been a customer of ours for many years. Her business with us was always simple but always pleasant, as well. In other words, we have never had a problem with her or her accounts.

Our lenders use a rating system similar to a credit score, and I can tell you that Mrs. Swenson has the top rating we give. She would be an excellent credit risk for your company.


[Senders Name]
[Senders Title] -Optional-

[Enclosures: number] -Optional-
cc: [Name of copy recipient] -Optional-