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Reconsideration letter for Macy's & Belk

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Got denied from Macy's and Belk, my fav stores....

Does anyone have a sample reconsideration letter? Or any good threads on the recon process. I'm new to this, I've never even heard of it until a couple of days ago. I did get a good link by searching ...they gave me the website of Federated Dept. Stores. (for Macy's) and a contact name...

anyone have this info for Belk?

Any tips on persueding them to reconsider my app for credit? Reasons for denial were delinquency, too few accounts paid as agreed, ration of revolving account balances to credit limits

( I have no open revolving accounts, I have a few closed, one paid, two others I'm DV'ing)


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