Practice Test 6

Passage 1:

196 Cradle Terrace
Troy, IN 11275
VBC Credit
One Hoenikker Place
New York, NY 88411

Dear Sir,

I recently read an advertisement for the VBC Platinum credit card in World Entertainment Monthly magazine. I was interested by the favorable interest rates and terms of the VBC card. I have filled in the form that was enclosed with the magazine and am sending it with this letter. I have not had a VBC credit card previously and believe that my credit rating is good, so I do not foresee any difficulties in issuing this card. I look forward to a quick response.

Sincerely,
Mona Aamons

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Passage 2:

VBC Credit
One Hoenikker Place
New York, NY 88411
Mona Aamons
1963 Cradle Terrace
Troy, IN 11275

Dear Ms. Aamons:

Thank you for your interest in a VBC Platinum credit card. Unfortunately, we regret to inform you that we are unable to approve your application for this card due to insufficient time in your current address and excessive deb-to-income ratio. This decision has been based in part on a credit report provided by Equity Evaluations, Inc. (Noted below). You may receive a copy of this report free of charge, provided you request it in writing directly from the credit evaluation servce within six calendar months.

Cordially,
Nancy LIoyd
Nancy LIoyd/Senior Credit Manger
Credit evaluation service: Equity Evaluation, Inc., PO Box 22, Los Angeles, CA 98365