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]
New Mexico Sample Letter for Request for Free Credit Report Based on Denial of Credit
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How to fill out New Mexico Sample Letter For Request For Free Credit Report Based On Denial Of Credit?
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Send a letter asking for the reasons behind your credit denial. Be sure to save a copy of the signed letter for proof in case they don't respond. Get the credit report. Every adverse action notice should include the identity of any credit bureau that provided credit information used to deny you credit.
By law, individuals are allowed to check their own credit report even if they have a credit freeze in place. All you have to do is request a free credit report, just as you would if your credit were not frozen.
6 Things You Should Do If You've Been Denied CreditReview the Reason for the Denial.Plead Your Case.Check Your Credit Report and Credit Score.Address Credit Concerns.Apply With a Different Lender.Continue to Monitor Your Credit.Maintain a Long-Term Mindset.19-Aug-2020
Yes, you can still get a free credit report when your application is declined, but you can only get a free report from the credit reporting company that provided the report upon which the decision was based.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
You are entitled to a free copy of your credit reportYou have the right to get a free copy of your credit report within 60 days of being denied credit. Simply contact the credit reporting agency that provided the credit report and ask for a free report. You can also get a free credit report every 12 months.
The credit report you get when you're denied credit is in addition to the annual credit report that you can order once a year from the three credit bureaus through AnnualCreditReport.com.
Getting rejected for a loan or credit card doesn't impact your credit scores. However, creditors may review your credit report when you apply, and the resulting hard inquiry could hurt your scores a little. Learn how to wisely manage your next application and avoid unnecessary hard inquiries.
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