Pursuant to the Fair Credit Reporting Act, we are required to notify you that we have declined your application for ___________________________________________.
We have declined the application based on information contained in a consumer report obtained from _____________________, _______________________, and _.
Pursuant to the Fair Credit Reporting Act, you may obtain the full disclosure of the nature and substance of the information concerning you on file with the credit-reporting agency. Proper identification may be required to obtain this.
Please contact __________________________ for further information.
Denier of Credit