**Date**

Applicant _______________________________________

Address_________________________________________

Dear _____________________________,

We regret to inform you that the owner for the following reason(s) has denied your application for the house at _________________________________________________________:

(___) The information on your application regarding your prior residency was not verifiable.

(___) Insufficient job history.

(___) Poor and/or absent credit history.

(___) Insufficient income to meet property requirements.

Because the owner’s decision was based in part on credit information, the Fair Credit Reporting Act requires us to make the following disclosures:

The credit reporting company who provided us with your information was

_____________________________
_____________________________
_____________________________
_____________________________

The credit reporting company did not make the decision to take the adverse action and is unable to provide you with the specific reasons why the adverse action was taken.

Under Section 612 of the Fair Credit Reporting Act, you have the right to receive a free copy of your credit report(s) from the reporting agency within 60 days. You have the right to dispute with the credit reporting agency the accuracy or completeness of the credit report.

If you have any further questions regarding your application or this letter, please feel free to call us during normal business hours.

Sincerely,

 

_______________________________________

Application Processor