Letter to request an explanation for denied credit line


  1. Getting credit involves a rigorous process. Sometimes the creditor rejects an application. That's because someone makes a mistake in evaluating an applicant's qualifications. Sometimes the lender can't explain the reason to turn down the application. If that's the case with you, this letter will help you get a clear answer. It may also get you reconsidered for the credit.
  2. Accept the fact that your application was not accepted.
  3. Request a proper explanation for the denial.
  4. If you think that there might be some error in getting the right information to the creditor, then you should mention it.
  5. Request the creditor to review your application again.


[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],

We have been notified that out credit line request has been denied. Since we have ever defaulted on any payments in the past, we were quite alarmed by this development. We would, therefore, appreciate it if you could graciously provide us with an explanation for the denial. Perhaps we can help clarify certain things because the only explanation we can think of is that there has been a mix-up somewhere that caused a misrepresentation of our credit information. Thank you very much, and we look forward to hearing from you regarding this matter.


[Senders Name]
[Senders Title] -Optional-

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