when you applied for credit with us four months ago, we reviewed very carefully the credit history supplied to us by your locle credit bureau. it was immediately clear to us from your unblemished record of prompt payments that you were quite proud of your good reputation within the financial community. We are concerned that this fine reputation will be lost because of your unpaid balance of $1,863.45. Which is now four months last due. Once lost, it might take years to regain your hard-earned credit reputation please mail your check today for $1,963.45. It is important that this account be paid in full promptly so that you can maintain your good credit ranting.