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PenFed Debt Consolidation Loan Denial.. Help With recon.

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PenFed Debt Consolidation Loan Denial.. Help With recon.

applied for a debt consolidation loan and was denied..  had a 673 score.  i was told my DTI was bad.   i make 24000,   with  8,000 in CC debt  and one $7000 collections debt.  im planning on reconing when i receive the letter.   was wondering if anyone has any pointers when writing a recon letter.  thanks

FICO 8 10-17-2016 Equifax 634, Transunion 673, Experian 631

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