Credit danial letter

Dear Mr. Arnold, I am writing this letter because we have received your application recently and we thank you for the application. We have carefully read this letter and we feel very sorry to inform you that your application cannot be approved because of some reasons. We are very sorry. The first thing is that your income is not up to our requirement so you will not able to pay the amount. The second thing is that your job does not qualify our requirement and it could not be verified. The third and the most important thing is that your payment history. Your history of credit of payments on time was not satisfied Finally your application not have sufficient requirement of credit references, and also inform that your current obligations are in excess to your income. If incase you have any unanswered questions about this letter, you are very much free to contact us by mail at the Creditor's name and the address, along with the telephone number. Sincerely, John