3. Dear Mr. Steele:

Over the years, we’ve found that the best credit risks are people who pay their bills promptly. Since two of your student loan payments have been late, we won’t extend store credit to you right now. Come back with a record of six months of on-time payments of all bills, and you’ll get a different answer.

You might like to put the furniture you want on layaway. A $50 deposit holds any item you want. You have six months to pay, and you save interest charges You might also want to take advantage of one of our Saturday Seminars. On the first Saturday of each month at 11 AM, our associates explain one topic related to furniture and interior decorating. Upcoming topics are How to Wallpaper a Room February 5 Drapery Options March 6 Persian Carpets April 1 Sincerely,