Dear Wall Street,
We greatly appreciate your interest in our organization, J.Q. Public™. We regret that we are unable to grant your request for a loan from us based on the following information:
Failure to Disclose Lienholder(s)
Recent Credit Defaults
Too Many Collection Accounts
Excessive Amount Requested
Unfortunately, it appears that you are too high of a risk for us to extend a loan at this time. You may wish to request a different amount, or consider different loan options we have available. However, we would strongly advise you to review and revise your recent credit practices and we may be able to assist you in the future.
Thank you and good luck,
John Q. Public