Subject: Request for Free Copy of My Credit Report due to Denial of Credit — Georgia Sample Letter to Equifax Dear [Equifax Customer Service], I am writing to request a free copy of my credit report from Equifax based on the recent denial of credit I received. As a resident of Georgia, I understand my rights under the Fair Credit Reporting Act (FCRA) and request that you provide me with a detailed copy of my credit report to ensure its accuracy. As per the FCRA guidelines, I have enclosed the necessary information to verify my identity: 1. Full Name: [Your Full Name] 2. Social Security Number: [Your SSN] 3. Date of Birth: [Your DOB] 4. Current Address: [Your Current Address] 5. Previous Address (if applicable): [Your Previous Address] 6. Contact Number: [Your Phone Number] I would like to bring to your attention that I recently applied for credit, and my application was denied. Pursuant to the FCRA, I am entitled to receive a free copy of my credit report within 60 days of the denial. To clarify the details surrounding the denial, I request that you provide the following information: 1. The name and contact information of the creditor who denied my credit application. 2. The date of the denial. 3. The reason(s) for the denial, if available. I kindly ask Equifax to expedite the processing of my request and mail a copy of my credit report to the following address: [Your Mailing Address] If there are any fees associated with this request, I request that you inform me in advance as per the FCRA regulations. I understand that Equifax has 30 days to fulfill my request once all proper identification and documentation have been received. Please note that I also intend to dispute any inaccurate, incomplete, or outdated information found on my credit report in accordance with the FCRA. Kindly provide the necessary steps to initiate this process, including any forms or contact information required. Thank you for your attention to this matter. I anticipate your prompt response and cooperation. Sincerely, [Your Full Name] [Your Signature, if sending a physical letter] [Date]
Georgia Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
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How to fill out Georgia Sample Letter To Equifax Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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FAQ
In the case of an adverse action, you're only entitled to order a free credit report from the credit bureau who provided the report used in the creditor's decision. For example, if the lender reviewed your Equifax credit report to process your application, you're only entitled to a free Equifax credit report.
How to get a copy of your credit report Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.
After writing a general dispute letter or a 609 credit disputing letter, followed by a 611 credit disputing letter, consumers can send a 623 credit disputing letter. With a 623 credit disputing letter, consumers request the credit agency to provide evidence to validate that the debt is theirs.
Sample Letter to Request a Credit Report Dear Sir or Madam: I would like to request a copy of my credit report file. I am providing the following information to obtain the report. Please contact me if you have any questions or need additional information.
You can follow the instructions on the adverse action letter if you want to receive your free credit report. If the company that denied your application only requested one of your credit reports, you'll be able to get a free copy of your report from the same bureau.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
