This form allows an individual to request his or her annual free credit report allowed by federal law from each of the credit bureaus through the Annual Credit Report Request Service, which is the centralized source for consumers to request this annual credit report.
Subject: Request for Free Credit Report: Complying with Federal Law in New York Dear [Credit Reporting Agency Name], I hope this letter finds you in good health. I am writing to request my free credit report as allowed by federal law, specifically under the Fair Credit Reporting Act (FCRA) and the New York Fair Credit Reporting Act. I kindly ask for your assistance in providing me with the relevant information required to access my credit report. As you are aware, both the FCRA and New York state laws provide consumers with the right to obtain a free credit report once every twelve months from each of the nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). Moreover, the law also grants me access to a free credit report if I have been a victim of identity theft, or if I am unemployed and actively seeking employment within the next 60 days. Hence, I am requesting to obtain my free credit report, and would greatly appreciate it if you could promptly provide the following details: 1. Full Name: [Your full legal name as it appears on identification documents]. 2. Current Address: [Your complete residential address, including city, state, and ZIP code]. 3. Previous Addresses: [List all previous addresses of where you have lived in the past two years]. 4. Social Security Number: [Your nine-digit Social Security number]. 5. Date of Birth: [Your date of birth in a month/day/year format]. 6. Proof of Identity: Please find enclosed copies of the following identification documents to verify my identity [list of documents enclosed — e.g., driver's license, passport, etc.]. 7. Contact Information: Please include your telephone number and email address to facilitate any necessary correspondence. Once I have successfully provided the requested information, I trust that you will process my request promptly, abiding by the applicable federal and state laws. Kindly ensure that you provide the credit report from all three nationwide consumer credit reporting companies. I understand that there might be variations of this sample letter depending on different circumstances. These variations may include situations such as disputing inaccurate information, correcting personal details, or requesting a credit freeze or fraud alert. However, for the purpose of obtaining a free credit report under federal law, this comprehensive request letter should suffice. Thank you for your attention to this matter and for your commitment to upholding consumer rights. I anticipate receiving the requested credit report in a timely manner. Should any further information be required, please do not hesitate to contact me. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Your Contact Number] [Your Email Address]
Subject: Request for Free Credit Report: Complying with Federal Law in New York Dear [Credit Reporting Agency Name], I hope this letter finds you in good health. I am writing to request my free credit report as allowed by federal law, specifically under the Fair Credit Reporting Act (FCRA) and the New York Fair Credit Reporting Act. I kindly ask for your assistance in providing me with the relevant information required to access my credit report. As you are aware, both the FCRA and New York state laws provide consumers with the right to obtain a free credit report once every twelve months from each of the nationwide consumer credit reporting companies (Equifax, Experian, and TransUnion). Moreover, the law also grants me access to a free credit report if I have been a victim of identity theft, or if I am unemployed and actively seeking employment within the next 60 days. Hence, I am requesting to obtain my free credit report, and would greatly appreciate it if you could promptly provide the following details: 1. Full Name: [Your full legal name as it appears on identification documents]. 2. Current Address: [Your complete residential address, including city, state, and ZIP code]. 3. Previous Addresses: [List all previous addresses of where you have lived in the past two years]. 4. Social Security Number: [Your nine-digit Social Security number]. 5. Date of Birth: [Your date of birth in a month/day/year format]. 6. Proof of Identity: Please find enclosed copies of the following identification documents to verify my identity [list of documents enclosed — e.g., driver's license, passport, etc.]. 7. Contact Information: Please include your telephone number and email address to facilitate any necessary correspondence. Once I have successfully provided the requested information, I trust that you will process my request promptly, abiding by the applicable federal and state laws. Kindly ensure that you provide the credit report from all three nationwide consumer credit reporting companies. I understand that there might be variations of this sample letter depending on different circumstances. These variations may include situations such as disputing inaccurate information, correcting personal details, or requesting a credit freeze or fraud alert. However, for the purpose of obtaining a free credit report under federal law, this comprehensive request letter should suffice. Thank you for your attention to this matter and for your commitment to upholding consumer rights. I anticipate receiving the requested credit report in a timely manner. Should any further information be required, please do not hesitate to contact me. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Your Contact Number] [Your Email Address]