account
get our app
account sign up sign in

make your free letter challenging a credit denial

make document
other names: credit denial challenge letter
letter challenging a credit denial document preview

what is a letter challenging a credit denial?

a letter challenging a credit denial can help you find out exactly why your credit application wasn't approved and appeal that decision. there are many reasons why a creditor may deny a credit application, but if you were denied you may want to ensure that the reason given to you was correct and valid. the denial may be in error or sometimes there's simply a mistake on your application. a letter challenging a credit denial can help you straighten out any issues. 
 
it's your right to know why you were denied. regardless of what's happened it can pay off to double check the reasons, after all, creditors make mistakes. sometimes there's an issue with your credit report that can easily be fixed. getting turned down for credit or a loan can be frustrating but the problem might be a simple fix or the creditor might change their mind. whatever may happen you have to challenge the decision first. sending a letter challenging a credit denial is often the first step to figuring out exactly what went wrong and fixing it.

when to use a letter challenging a credit denial:

  • you've been denied credit or a loan.
  • you want to find out why you were denied.
  • your creditor terminated or unfavorably changed your account.

sample letter challenging a credit denial

the terms in your document will update based on the information you provide

this document has been customized over 5k times
documents and communicates
ask a legal pro questions about your document
sign this document online for free with rocketsign®

 

 

 

,

 

 

i applied for credit with you on , for . i was notified on , that my application had been denied. applied for credit with you on , for . was notified on , that its application had been denied.we applied for credit with you on , for . we were notified on , that our application had been denied.i was notified on , of the termination of .we were notified on , of the termination of .i was notified on , of a change in the credit terms on my account. we were notified on , of a change in the credit terms on our account.
please provide additional information as to why the above adverse action was taken.

 

please advise if the adverse action was based in whole or in part on information contained in a consumer credit report or on information obtained from a source other than a consumer reporting agency. if the adverse action was based on information from a source other than a consumer reporting agency, please indicate the nature of the adverse information, such as credit worthiness, credit standing, credit capacity, character, general reputation, or personal characteristics.

us me

 

your review of this matter is greatly appreciated. please respond as soon as possible regarding the results of your review.

 

if you have any questions or need additional information. i can we can also or my our

 

sincerely,

 

 

 

and
letter challenging a credit denial document preview

make your document in minutes

answer questions to personalize your document

answer questions to personalize your document

right-facing arrow
get help as you go, or ask a legal pro to review your document

get help as you go, or ask a legal pro to review your document

right-facing arrow
sign your document online, store securely, download, and share

sign your document online, store securely, download, and share

right-facing arrow

start your letter challenging a credit denial now and get rocket lawyer free for 7 days

get legal services you can trust at prices you can afford. you'll get:

all the legal documents you need—customize, share, print & more

unlimited electronic signatures with rocketsign®

ask a lawyer questions or have them review your document

dispute protection on all your contracts with document defense®

30-minute phone call with a lawyer about any new issue

discounts on business and attorney services