Letter to Investigate an Applicant’s Credit Reference

It is a business’s responsibility to investigate an applicant’s credit reference. There are some necessary procedures to be carried out for conducting the investigation.

The applicant whose credit reference is to be investigated should be addressed properly in the letter. The purpose of the investigation is to know whether the applicant should be given credit approval or not.

When a business wants to approve the credit, it should ensure it is issued to a legitimate person. Every organization conducts some investigation before issuing the credit. The applicants are asked to give the name of a reference who can be contacted for investigation.

This letter is usually written when you want to request the recipient for a favor. This letter should be written in a way that describes everything but briefly. The letter should not have too long details as formal letters are written precisely.

The applicant provides the name of the person from whom he gets credit reference. You can write this letter to that person to investigate the credit reference.

How to write the letter to investigate the credit reference of the applicant?

The letter should tell the recipient that someone has given his name as a credit reference. Since the purpose of writing this letter is to get the credit history of the reference, you should request the recipient for the credit history. Also, let the recipient know that the details will be kept confidential.

At the end of the letter, tell the recipient you will be highly thankful to him for helping you in the investigation.

Tips for writing the letter:

  1. Use proper salutation in the letter
  2. Make sure that there is no spelling or grammatical mistake in the letter
  3. The recipient should describe everything so that he can understand why you wrote him an investigation letter.
  4. The length of the letter should be limited to one page.

Sample Letters


I am writing on behalf of XYZ Bank to perform a credit reference check for ABC who has applied for a loan. He has provided your organization’s name as a credit reference. According to him, he has been a client at your bank between 20016 and 20XX.

We would appreciate it if you could take some time to help us with our evaluation of ABC. Kindly provide us with details of his credit history with your organization. Please also verify the attached documents provided as his financial records.

We would be grateful to you for your assistance in this matter.


I am John Doe from XYZ Bank. I am reaching out to you regarding an applicant, Mr. Harry Smith. He has recently applied for a credit card and provided your name as his credit reference. I, therefore, seek your assistance for the verification of his credit history with you.

Kindly email me details of his financial record at your organization. I am particularly interested in information about his payment track record and any outstanding balances.

I would appreciate your cooperation.


My name is Jane Doe and I am writing to you as a representative of XYZ Bank. One of your clients, ABC has applied to us to open an account at our bank. He has mentioned your name for the cross-reference of his credit history. Kindly provide us with a general overview of his credit record at your organization.

We would appreciate your assistance.


This is regarding Jane Doe who provided your name to evaluate her credit reference. Her loan application is currently under process at our bank. We need to verify her credit history before approving her loan.

Kindly fill out the attached form and provide us with your comments about her general credit behavior. We would appreciate your cooperation.


I am writing to request a general credit check for XYZ who has applied for a mortgage at our company. In his application form, XYZ mentioned that he has an active account at your bank. We, therefore, seek your assistance in the verification process.

Kindly provide us details about XYZ’s record, including the current status of his account, credit history, and any defaults. You may email us the details or call us to discuss the requested information.

We look forward to your response.


ABC Company has forwarded your contact as a credit reference for the account they have applied with us. For processing your application we would like to collect information from you like when you started to trade with ABC, their monthly purchases, and when they made a payment.

We can assure you that the information provided by you will be forwarded to our credit control department and only they will have access to this data. We have a strong policy for keeping our customer information confidential.

Letter to provide details of the credit reference

Dear ‘Name of Applicant’,

Your request for an account has been confirmed. For us to create the account, you are required to submit your credit reference. Your credit references are your past track record with credit and are provided to you by credit bureaus/agencies.

Please submit the required documents by ‘Date’. If you have any questions, contact us at [TEXT] or [TEXT].


Name of Writer,
Department Name,
Name of Organization.

Letter to provide details of the credit reference

Letter File: 76 KB