Need help with my tenant rejection letter

[Nicholas Jose]

Good evening, BP.

I'm writing my Tenant Rejection Letter and found some reasons online as to why a tenant is denied their application. So far, I have:

1. Application incomplete
2. Application contains false information
3. Delinquent rent
4. Delinquent credit obligations
5. Insufficient credit file
6. Insufficient credit references
7. Insufficient employment record
8. Insufficient landlord details
9. Insufficient references
10. Temporary or irregular employment
11. Insufficient rental history
12. Insufficient income for amount of credit requested
13. No credit file
14. No employment record
15. No rental history
16. Record of evictions
17. Record of bankruptcy, foreclosure, or repossession
18. Record of excessive or overdue debts and obligations
19. Temporary residence
20. Low credit score
21. Unable to verify credit references
22. Unable to verify employment
23. Unable to verify income
24. Unable to verify rental history
25. Negative report from previous landlord
26. Negative report from employer
27. Owner chose another applicant
28. Other: _____________________

I feel that the more reasons I have, the better off I'll be; however, I could significantly cut this list down by combining two items into one. For example, instead of having

1. Insufficient credit file
2. Insufficient credit references

I could just say

1. Insufficient credit file or references

But then again, I'd also like to be as specific as possible so as to leave no ambiguities. The tenant could question what "references" in the above statement means: credit references or people references?

Also, my tenant rejection letter is two pages long. Am I just thinking too much about this?