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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Sunday, March 29th, 2009 at 10:43 pm
Do not expect information to be deleted just because a collection account or debt has been paid. Derogatory items will remain on your report for 7 years. The 7 year clock on a derogatory item falling off your report does not start until the item has been satisfied.
Wednesday, March 11th, 2009 at 4:07 pm
One argument for using a ccc program to assist you in paying off your bills is that one has admitted that one is unable to do something on one’s own and needs assistance. If one has actually gotten to this stage then there are alternatives to paying off one’s debt that doesn’t damage your credit even more.
Tuesday, March 10th, 2009 at 12:00 pm
The age of the credit accounts on your credit report play a major roll in your credit score. New accounts do not have a long payment history and will not show your ability to pay your debts over time. However, as these accounts age the payment history will have greater impact on your score.
Saturday, March 7th, 2009 at 11:37 pm
When disputing a debt you must keep a log of all conversations and information sent. Just because you dispute a debt doesn’t mean your credit report will automatically reflect the dispute.
Thursday, February 12th, 2009 at 3:52 am
There are many ways that you are able to increase your credit score. Making all of your monthly bill payments on time is one way. Keeping the balance of total available revolving debt limited to approximate. 30% Of your total credit limit is another way.
Sunday, February 8th, 2009 at 9:31 pm
Fha financing and fannie mae financing are attainable with mid 500 credit scores. There typically needs to be some sort of compensating factor(s) such as a strong equity position in the property, good assets reserves in the bank and/or 401k, or a very low debt-to-income ratio.
Saturday, January 31st, 2009 at 7:43 pm
The easiest and most widely know credit improvement tip is to pay all of your bills on time. Paying all of your bills on time will help to not only maintain, but to increase your credit scores quickly and efficiently. Knowing which debts and credit liabilities report to your credit report each month can help you to make sure you are paying all of your bills on time and maximizing your credit score.
Thursday, January 29th, 2009 at 1:39 pm
one major impact on your credit score is how much in debt you have versus how much of a limit you have on your debt. It is ideal to keep your revolving debt balances at 20 to 40 percent of your credit limit’s to help maximize your credit scores.
Wednesday, January 28th, 2009 at 9:15 am
If you have a credit card that is maxed out you can request a credit line increase to bring your balance to limit ratio back within the preferred 50% range. This simple process can have a great affect on your credit score within a month’s time. However with an increased credit line you do have to exercise fiscal responsibility to avoid getting deeper into debt.
