Negative Letter

Beachfront travel

2303 NW. Island drive

Bahamas, 45367-1234

(454) 345-6789 Fax: (454) 302-3423

November 17, 2002

Ms. Linda Duke

800 University Drive

Maryville, MO 64468

Dear Ms. Duke:

Beachfront Travel has been dedicated to customer satisfaction for over a decade now and has achieved this goal by giving its customers excellent chances to travel at extremely low costs. We hope that you and your family enjoyed your weeklong trip with nothing but fun in the sun down here in the Bahamas.

It was greatly appreciated that your family toured and was interested in a time share condominium down here, however I apologize that we are unable to accept your application due to the fact that you do not hold any sort of credit. All you need to do is develop a good line of credit over about a year’s time and our creditors will surely approve you. There would be many other benefits to building good credit as well because