Middlesex Massachusetts Sample Letter for Request for Free Credit Report Based on Denial of Credit [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Credit Bureau Name] [Address] [City, State, Zip Code] Subject: Request for Free Credit Report Based on Denial of Credit Dear [Credit Bureau Name], I am writing to request a free copy of my credit report, as mandated by the Fair Credit Reporting Act (FCRA) Section 611, based on the recent denial of credit. I recently applied for credit with [name of creditor] and my application was denied due to information found in my credit report from your agency. To ensure the accuracy and completeness of my credit information, I kindly request that you furnish me with a free copy of my credit report within the 15-day period as specified by the FCRA. Additionally, please provide me with the name, address, and contact information of any other credit reporting agencies that you have shared my information with. I have provided my personal details for verification purposes: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your Social Security Number] Furthermore, please provide a detailed explanation of the factors that led to the denial of credit. This will help me understand the areas of improvement needed and take necessary actions to rectify any inaccuracies or discrepancies in my credit profile. In accordance with FCRA Section 611(a)(2), I understand that I am entitled to request a free copy of my credit report once every 12 months or within 60 days of being denied credit. As I have not received a copy of my credit report in the past 12 months, I am exercising my right to obtain it now. I kindly request that you expedite the process of providing me with the requested credit report as it is crucial for me to evaluate and address any potential issues affecting my creditworthiness. Thank you for your attention to this matter. I look forward to receiving my credit report promptly. Should you require any additional information or any further documentation to process my request, please do not hesitate to contact me at the provided contact details. Sincerely, [Your Name]
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.