New Mexico Sample Letter for Request for Free Credit Report Based on Denial of Credit

• Category: Letters - Nonlegal - Requests
• State: Multi-State
• Control #: US-0095LR
• Format: Word; Rich Text

Description

This form is used by an individual to request his or her free credit report from any credit reporting agency based on denial of credit. Subject: Request for Free Credit Report Based on Denial of Credit [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Name of Credit Bureau] [Address of Credit Bureau] [City, State, Zip Code] Dear Sir/Madam, I am writing to request a free credit report based on the denial of credit I recently received. As a resident of New Mexico, I understand my rights under the Fair Credit Reporting Act (FCRA), specifically its provision that grants consumers the right to obtain a free credit report from a credit bureau upon a denial of credit. In accordance with FCRA, I recently applied for credit [specify the credit type: e.g., personal loan, credit card, mortgage] with [Name of Creditor/Institution]. To my surprise, my application was denied. I believe this decision was primarily based on information contained in my credit report. Therefore, I kindly request a copy of my credit report from your credit bureau in order to review and rectify any inaccuracies that may have contributed to the denial of credit. To assist with the process of locating my credit file, please find the following information: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] As per FCRA guidelines, I am also entitled to obtain a copy of my credit score, which reflects my creditworthiness. Therefore, I kindly request that you include my credit score along with the credit report. I understand that, as the credit bureau, you have 30 days from the receipt of this request to provide me with the requested credit report and credit score. Kindly provide the report and score to me via secure mail or electronically, whichever option is more convenient. In case there are any fees associated with this request, please notify me in advance. If the denial of credit is due to information received from other credit bureaus, please provide me with their contact details so that I may request the necessary credit reports from them directly. I appreciate your prompt attention to this matter, and thank you in advance for providing me with the requested credit report and credit score. If there are any questions or additional information required, please feel free to contact me at the supplied contact information. Sincerely, [Your Name]

Subject: Request for Free Credit Report Based on Denial of Credit [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Name of Credit Bureau] [Address of Credit Bureau] [City, State, Zip Code] Dear Sir/Madam, I am writing to request a free credit report based on the denial of credit I recently received. As a resident of New Mexico, I understand my rights under the Fair Credit Reporting Act (FCRA), specifically its provision that grants consumers the right to obtain a free credit report from a credit bureau upon a denial of credit. In accordance with FCRA, I recently applied for credit [specify the credit type: e.g., personal loan, credit card, mortgage] with [Name of Creditor/Institution]. To my surprise, my application was denied. I believe this decision was primarily based on information contained in my credit report. Therefore, I kindly request a copy of my credit report from your credit bureau in order to review and rectify any inaccuracies that may have contributed to the denial of credit. To assist with the process of locating my credit file, please find the following information: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] As per FCRA guidelines, I am also entitled to obtain a copy of my credit score, which reflects my creditworthiness. Therefore, I kindly request that you include my credit score along with the credit report. I understand that, as the credit bureau, you have 30 days from the receipt of this request to provide me with the requested credit report and credit score. Kindly provide the report and score to me via secure mail or electronically, whichever option is more convenient. In case there are any fees associated with this request, please notify me in advance. If the denial of credit is due to information received from other credit bureaus, please provide me with their contact details so that I may request the necessary credit reports from them directly. I appreciate your prompt attention to this matter, and thank you in advance for providing me with the requested credit report and credit score. If there are any questions or additional information required, please feel free to contact me at the supplied contact information. Sincerely, [Your Name]