Example credit reference letter of a client


  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.


[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],

As requested, I have generated a credit report for Natalie Webster. She has been with us for quite a while, and her history with us is inconsistent. For instance, she took out a loan with us for an automobile in 2004. She did not make a single payment, and the car war repossessed. However, in 2003, she took out a substantial loan for home improvements and paid every penny back without any difficulties. Her bank account is always full, and she has never incurred insufficient funds on it. I do not know what I would suggest to you as to taking on her business. I can tell you that currently, by our bank's standards, we would agree to a small loan for her. I know this is not much help, but it is the best I can offer.

Good luck in deciding and if you have further questions, I would be happy to help.


[Senders Name]
[Senders Title] -Optional-

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