Thursday, June 17th, 2010 at 1:49 pm
Request for Free Copy of Credit Report
This letter is to obtain a free credit report based on credit denial. If you have been denied credit based on the information in your credit file within the last 60 days; you are entitled to a free copy of your credit report from that credit bureau. Substitute information in brackets [] with your information.
To Whom It May Concern,
I would like to request that you send me a copy of my credit report immediately. I’ve been denied credit within the last sixty days due to a credit report issued by your company.
The Fair Credit Reporting Act of 1970, 15 USC section 1681g prescribes that the credit bureau should send me a copy of the information which led to the rejection of my credit application. According to the provision of 15 USC section 1681j, there should be no charge for this information. My personal information is as follows:
[Name]
Social Security Number: [Social Security Number]
Date of Birth: [Date of Birth]
[Current Address]:
[City, State Zip]
Please send the free report to the address hereby stated.
Your immediate attention to this matter is appreciated.
Sincerely,
[Signature]
[Date]
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Friday, April 3rd, 2009 at 5:07 pm
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Saturday, March 14th, 2009 at 7:19 am
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Tuesday, March 10th, 2009 at 12:00 pm
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Monday, March 9th, 2009 at 11:21 pm
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Friday, March 6th, 2009 at 11:52 am
Disputing credit can be very time consuming. However, many brokers can offer you a service called a rapid rescore. This service allows borrowers to provide evidence from their creditors that accounts are inaccurately portrayed on their credit reports. The broker will then send this information to credit report service provider to have it instantly changed and your credit report rescored. The process usually takes between three to 7 days.
