• February 2020
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Letter Challenging a Credit Denial

If your credit application was denied, you can use this letter challenging a credit denial to request a reconsideration of the lender’s decision.

If you submitted an application for credit and your application was denied, you may be feeling understandably confused and/or frustrated. Perhaps you have no idea why you were denied, as you were fully expecting a swift approval. Or perhaps you believe that the lender was too harsh and did not take context into account when evaluating your application as a whole. Either way, you can use a formal letter challenging a credit denial in order to inquire as to what went wrong during your application process. In the end, you may discover that human error contributed to the denial and your application approval is easily remedied. Or you may discover that your credit report contains unauthorized activity that has compromised your score. If this is the case, you will need to act quickly to mitigate the damage this unauthorized activity has caused. There are many reasons why you may have been denied access to additional credit. And there are many possible outcomes you could experience as a result of inquiring about your application denial. Use this template to gain more knowledge about the process so that you can make an informed choice concerning how to proceed.


  • Requesting a lender to reconsider a credit application after denial.
  • Requesting information about why a particular credit application was denied.


Most of us find ourselves in a position of having to borrow money at some point in time in our lives. Being denied credit can be frustrating in these circumstances, especially if the denial catches you by surprise. If you believe that you were wrongfully denied credit, or if you just want to find out why the bank rejected you, consider sending your lender a letter challenging a credit denial.

There are many reasons why a lender may deny a credit application. Even if you have a good credit score, your application for a loan or line of credit may have been denied because you did not meet other requirements like employment and minimum income. Lenders may also be concerned about your other debts and any bad marks on your credit history. Some lenders even consider individuals and businesses a high credit risk if they have accumulated debt too rapidly, so even submitting too many applications for credit too quickly can result in a denial. Additionally, your credit application could be denied due to suspicious activity on your credit report. This may be an indicator of fraud, so if you believe you were wrongfully denied credit due to someone else’s wrongdoing, you may want to send your creditors a letter challenging a credit denial to make sure you are doing everything you can to set the record straight.

If you have been denied approval for additional credit and you would like to better understand why your application was rejected, use this template to submit a clear, professional request for the lender in question to provide you with greater insight into the situation. Take care to keep an extra copy of your request on file at home in case you need to reference it in the future for any reason.


Alternative Names

Credit Denial Challenge
Credit Denial Query
Credit Denial Reconsideration Request