New York 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. Dear [Credit Bureau], I am writing to request a free copy of my credit report based on a recent denial of credit. I understand that under the Fair Credit Reporting Act (FCRA), I am entitled to a free credit report if I have been denied credit, insurance, or employment within the past 60 days. According to the denial letter I received from [Name of Creditor/Financial Institution], my credit application was rejected due to information found in my credit report. In order to review the accuracy of this information, I would like to obtain a copy of my credit report from your agency. I would appreciate it if you could provide me with a complete and updated copy of my credit report, including all relevant credit scores, within the timeframe specified by FCRA (usually 30 days). Please ensure that the report includes all the necessary details, such as my personal information, employment history, credit accounts, payment history, and any negative accounts or inquiries. Additionally, I would like to clarify my rights as a consumer. If any inaccurate or incomplete information is discovered in my credit report, I request that you investigate and correct it promptly. As per the FCRA, I have the right to dispute any erroneous information and have it removed or corrected within a reasonable timeframe. I understand that there are three major credit bureaus operating in the United States, namely Equifax, Experian, and TransUnion. If the denial letter did not specify which agency was used to determine my eligibility for credit, I request that you obtain my credit report from all three agencies and provide me with copies from each of them. Enclosed with this letter, please find the necessary identification documents, such as a copy of my driver's license, Social Security card, and recent utility bill, which should assist you in verifying my identity and processing my request promptly. I appreciate your attention to this matter and look forward to receiving my credit reports as soon as possible. If you have any questions or need any further information, please do not hesitate to contact me at [Your Contact Information]. Thank you for your assistance. Sincerely, [Your Name]

Dear [Credit Bureau], I am writing to request a free copy of my credit report based on a recent denial of credit. I understand that under the Fair Credit Reporting Act (FCRA), I am entitled to a free credit report if I have been denied credit, insurance, or employment within the past 60 days. According to the denial letter I received from [Name of Creditor/Financial Institution], my credit application was rejected due to information found in my credit report. In order to review the accuracy of this information, I would like to obtain a copy of my credit report from your agency. I would appreciate it if you could provide me with a complete and updated copy of my credit report, including all relevant credit scores, within the timeframe specified by FCRA (usually 30 days). Please ensure that the report includes all the necessary details, such as my personal information, employment history, credit accounts, payment history, and any negative accounts or inquiries. Additionally, I would like to clarify my rights as a consumer. If any inaccurate or incomplete information is discovered in my credit report, I request that you investigate and correct it promptly. As per the FCRA, I have the right to dispute any erroneous information and have it removed or corrected within a reasonable timeframe. I understand that there are three major credit bureaus operating in the United States, namely Equifax, Experian, and TransUnion. If the denial letter did not specify which agency was used to determine my eligibility for credit, I request that you obtain my credit report from all three agencies and provide me with copies from each of them. Enclosed with this letter, please find the necessary identification documents, such as a copy of my driver's license, Social Security card, and recent utility bill, which should assist you in verifying my identity and processing my request promptly. I appreciate your attention to this matter and look forward to receiving my credit reports as soon as possible. If you have any questions or need any further information, please do not hesitate to contact me at [Your Contact Information]. Thank you for your assistance. Sincerely, [Your Name]