Gentlemen:

Pursuant to your request as to a clarification on the
apparent derogatory findings in your review of my credit
history, I am submitting this correspondence for your
consideration, as well as the lender concerned.  Please
be advised as follows:

1.  The account held in the name of Bernard T. Emerson
    with Gourmet Foods, is not mine.

2.  I have asked my secretary to forward a copy to you
    of the paid check issued to Flowers Unlimited over
    six months ago.

3.  I have never maintained a charge account with Lewis
    Brothers Furniture Company, nor have I ever resided
    at the address indicated in their report.

I sincerely hope that this will assist you in producing an
up to date report.  If you should require further
information, please don't hesitate to call my office.

I would be appreciative if you would forward your updated
report to the lender.  Please feel free to include this
correspondence if you so choose.