hello this is Melanie Collins with the underwriting Department reaching out to go over your personal loan inquiry which is almost approved for 64,000 I'm reaching out because we recently re-evaluated your previous loan request our underwriting guidelines have expanded which means applicants who aren't eligible before may now qualify even with lower credit if you're still considering a personal or consolidation loan you can call us back at █████ to speak directly with the underwriting I'll be available until 7 p.m. today if you would no longer like a loan please call back the number on your caller ID and opt-in looking forward to speaking with you