Subject: Request for Free Credit Report — Denial of Credit Keywords: Wayne Michigan, sample letter, request, free credit report, denial of credit [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] [Credit Bureau's Name] [Credit Bureau's Address] [City, State, ZIP Code] Subject: Request for Free Credit Report based on Denial of Credit Dear Sir/Madam, I am writing this letter to request a free credit report in accordance with the Fair Credit Reporting Act (FCRA) Section 612(a), following the denial of credit. I recently applied for credit with [Creditor's Name] and received a notification indicating my application was denied. As a result, I am entitled to a free copy of my credit report from your credit bureau within 60 days of receiving the adverse action notice. Here are my details as required for processing the request: 1. Full Name: [Your Full Name] 2. Date of Birth: [Your Date of Birth] 3. Social Security Number: [Your SSN] 4. Current Address: [Your Current Address] 5. Previous Address (if applicable): [Your Previous Address] 6. Phone Number: [Your Phone Number] I kindly request you to provide all relevant information included in my credit report, including but not limited to inquiries, accounts, public records, and personal information. A detailed report will assist me in reviewing the factors impacting my creditworthiness and taking necessary steps to rectify any errors or discrepancies. Furthermore, I would appreciate it if you could also provide information on the credit score used by the creditor who denied my application. This will give me a comprehensive understanding of the reasons behind the credit denial and enable me to enhance my financial standing. Please ensure that the free credit report is sent to me at the following address: [Your Address] [City, State, ZIP Code] Thank you for your prompt attention to this matter. Should you require any additional information or documentation to process this request, please feel free to contact me at the provided phone number or via email. I look forward to receiving the credit report within the required timeframe. Your assistance in this matter would be highly appreciated. 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.