Alabama Sample Letter to Experian - formerly TRW - Requesting Free Copy of Your Credit Report based on Denial of Credit

• Category: Letters - Legal - Credit
• State: Multi-State
• Control #: US-0528LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. [Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] Experian Consumer Assistance P.O. Box 4500 Allen, TX 75013 Subject: Request for Free Copy of Credit Report Based on Denial of Credit Reference: [Your Full Name] [Your Date of Birth] [Your Social Security Number] Dear Experian Consumer Assistance, I am writing to request a free copy of my credit report based on the denial of credit I recently experienced. As per the Fair Credit Reporting Act (FCRA), I am entitled to a free copy of my credit report in such circumstances. I have included the necessary identification information above for your reference. I recently applied for [type of credit, e.g., a mortgage, car loan, or credit card] with [lender's name]. Unfortunately, my application was denied, and I was informed that the decision was based on information in my credit report. Therefore, I kindly request a copy of my credit report to understand the factors that led to this denial. It is essential that I have access to the report as soon as possible to review the accuracy of the information within it. I understand that Experian, being one of the major credit reporting agencies, is responsible for maintaining accurate and up-to-date credit information. Therefore, I trust that your thorough investigation and provision of the requested report will allow me to address any discrepancies or errors that may exist. In accordance with the FCRA, I request that you send me a copy of my credit report within 30 days of receiving this letter. Please ensure that the report includes all information available regarding my credit history, including account histories, inquiries made, and public record information, if applicable. Additionally, I request that the credit report also include the credit score used during the evaluation process by the denying lender. Please specify the credit scoring model used and provide any relevant details regarding the factors affecting my creditworthiness. Furthermore, I would appreciate if you could provide information on the next steps I should take if I identify any discrepancies, errors, or outdated information within the report. Thank you for your prompt attention to this matter. Should you require any further documentation or need to contact me for clarification, please do not hesitate to reach me at the contact information provided above. I look forward to receiving the requested credit report and working towards resolving any issues it may contain. Your cooperation in this matter is greatly appreciated. Sincerely, [Your Full Name]

[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] Experian Consumer Assistance P.O. Box 4500 Allen, TX 75013 Subject: Request for Free Copy of Credit Report Based on Denial of Credit Reference: [Your Full Name] [Your Date of Birth] [Your Social Security Number] Dear Experian Consumer Assistance, I am writing to request a free copy of my credit report based on the denial of credit I recently experienced. As per the Fair Credit Reporting Act (FCRA), I am entitled to a free copy of my credit report in such circumstances. I have included the necessary identification information above for your reference. I recently applied for [type of credit, e.g., a mortgage, car loan, or credit card] with [lender's name]. Unfortunately, my application was denied, and I was informed that the decision was based on information in my credit report. Therefore, I kindly request a copy of my credit report to understand the factors that led to this denial. It is essential that I have access to the report as soon as possible to review the accuracy of the information within it. I understand that Experian, being one of the major credit reporting agencies, is responsible for maintaining accurate and up-to-date credit information. Therefore, I trust that your thorough investigation and provision of the requested report will allow me to address any discrepancies or errors that may exist. In accordance with the FCRA, I request that you send me a copy of my credit report within 30 days of receiving this letter. Please ensure that the report includes all information available regarding my credit history, including account histories, inquiries made, and public record information, if applicable. Additionally, I request that the credit report also include the credit score used during the evaluation process by the denying lender. Please specify the credit scoring model used and provide any relevant details regarding the factors affecting my creditworthiness. Furthermore, I would appreciate if you could provide information on the next steps I should take if I identify any discrepancies, errors, or outdated information within the report. Thank you for your prompt attention to this matter. Should you require any further documentation or need to contact me for clarification, please do not hesitate to reach me at the contact information provided above. I look forward to receiving the requested credit report and working towards resolving any issues it may contain. Your cooperation in this matter is greatly appreciated. Sincerely, [Your Full Name]