From a review of your credit report, we found that you’ve borrowed [getval name=”noofaccs”] times with [getval name=”noofcyc”] cycle of borrowing.
Your credit report indicates that your first account opened was opened on [getval name=”accstart”] with [getval name=”lender”] and has incurred [getval name=”acclatep”] late payments since the account was opened.

We would therefore like to ask you a few additional questions to determine if the finance provided by [getval name=”lender”] was done so irresponsibly.