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]
Possibly related posts: (automatically generated)
Saturday, April 11th, 2009 at 4:04 pm
You should frequently check your credit report at least twice a year to know what your credit profile looks like. Sometimes erroneous items appear on credit that you may not know about and when it comes time to utilize your credit it can affect the rate you will get. Depending on the state you live in, you are allowed at least one free credit report per year from each of the three major credit bureaus; Experian, Equifax and transunion.
Friday, March 27th, 2009 at 5:07 pm
the fcra (fair credit reporting act) requires each of the three consumer credit reporting companies, Equifax, Experian, and transunion to provide you with a free copy of your credit report, at your request, once every 12 months. This is a new law that was imposed in december of 2004. It was started in phases depending on what state you lived in so that everyone would not overload the credit bureaus all at once. The law is not fully implemented throughout the nation. It is highly recommended that you should obtain a free credit report from each of the three main bureaus once per year to check for any errors or false information. You can obtain a free credit report by calling 1-877-322-8228, by completing the annual credit report request form and mailing it to: annual credit report request service, p.o. Box 105281, atlanta, ga 30348-5281 or by visiting any of the three credit bureaus online. This free report will not provide a credit score for you but will be instrumental in providing you with the information that is contained in the credit report. This is the first step to fixing your credit report errors. Also, anytime that you apply for anything and are turned down for credit reasons they will provide you with a letter that explains how you can go about getting a free copy of the credit report used in the credit decision. Again this is the first step to correct errors on your credit report. The next step is to contact the credit burea(s) with the errors listed and ask them what needs to be done next and they will explain the necessary steps for you to take. You can also do this all online after you obtain your free annual credit reports. When obtaining your free annual credit reports it is best to do each report separately so that you are able to dispute erroneous information with each credit bureau properly and expeditiously. Consult your personal mortgage professional if you should need any further help with fixing credit errors.
Thursday, February 5th, 2009 at 1:51 pm
By law, credit bureaus are required to provide consumers one free credit report per year. The three major credit bureaus, Equifax, Experian, and transunion have set up a web site, www.annualcreditreport.com, to provide such free report.
Thursday, December 11th, 2008 at 1:51 pm
When you obtain a copy of your credit report to begin working on repairing your credit you should first utilize your ability to obtain your credit report for free one time per year. Make sure you obtain your free credit report from all three of the credit reporting agencies so that you can compare the accuracy of the information contained within the reports from each of the three different credit bureaus. Many times one report may report different items than the other two reporting agencies. This is not due to inaccurate information, but because different creditors may only report to one or two of the different bureaus instead of all three of them.
Sunday, October 12th, 2008 at 8:11 am
The only site you should use to get your free credit report is the one run by the federal government: annualcreditreport.com
Saturday, October 11th, 2008 at 10:35 am
The three credit bureaus are now required by law to issue one free credit report annually to consumers. It is definitely a good idea to take advantage of this and review your credit no less than once a year.
Friday, October 10th, 2008 at 1:11 am
An easy way to improve your credit score is to pay your bills on time and pay down your credit card debt. Also get a free credit report and make sure it is accurate. Becoming an authorized used and improve your score. Contact your mortgage broker for more information.
Friday, July 4th, 2008 at 10:37 am
You should review your credit report at least once a year to ensure there is no erroneous information on it. Credit bureaus are required by law to issue you one free credit report each year upon request. In order to obtain this report, simply request it in writing from the credit bureau.
Thursday, April 10th, 2008 at 6:56 pm
You will get a notice of credit denial in the mail if you are turned down. This will entitle you to a free copy of your credit report. If you were turned down due to something on your credit report, it is wise to take advantage of this free credit report. Check it over carefully to verify the information is accurate. If there’s any inaccuracies, you should dispute them right away.
