Credit letter investigating an applicant's credit reference


  1. This is a brief letter requesting a favor from the reader. Consider the reader's kindness to respond to your request.
  2. Directly tell the reader that an applicant has named him or her as a reference. Provide the details of the applicant like applicant's name.
  3. Request the details of credit from the reader. Mention about the questionnaires or forms that are attached.
  4. Tell the reader that the details furnished by the reader would be kept confidential.
  5. Request a prompt response and be grateful for the reader's response.


[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],

Good day. We have recently received a credit application from Mr. Michael Smith where he has written you down as one of his references. We would highly appreciate it if you could confirm your relationship with Mr. Smith, as well as provide us with further information that will help us with our decision regarding his application by completing the attached form. Rest assured that all information you share with us would stay confidential. We would like to extend our thanks to you for your cooperation, and we are looking forward to your immediate response.


[Senders Name]
[Senders Title] -Optional-

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