Cannot open charge account for you

					(your street
					 city, state, zip) 

					(date)

(name
street
city, state, zip)

Dear ____ (name):

	Thanks so much for your recent charge account application
at ____ (name of company).  Unfortunately, after much consideration
we find that the information furnished by you does not meet our
credit requirements.

	Perhaps we can consider your application request when
your circumstances change.  Our decision is based on the
following:

	Length of employment
        No credit file

        Meantime, please feel free to take advantage of our
layaway service.  And, of course, our quality selections are
available for cash.

					Sincerely,



					(name)
					(title)

.....................

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