Subject: Request for Free Credit Report Based on Denial of Credit — Puerto Rico [Your Name] [Your Address] [City, State, ZIP Code] [Date] [Credit Bureau Name] [Address] [City, State, ZIP Code] Dear Sir/Madam, RE: REQUEST FOR FREE CREDIT REPORT BASED ON DENIAL OF CREDIT — PUERTO RICO I am writing to request a copy of my free credit report in accordance with the Fair Credit Reporting Act (FCRA) Section 612, which grants me the right to a free credit report after being denied credit. I recently applied for credit with [Creditor's Name] and received a notice of denial. I was informed that the decision was based, in part, on information obtained from your credit bureau. In order to better understand the factors influencing this denial, I am entitled to receive a copy of my credit report. Please find below my personal and contact information for identification purposes: Full Name: [Your Full Name] Social Security Number: [Your SSN] Date of Birth: [Your Date of Birth] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Telephone: [Your Contact Number] Email: [Your Email Address] Furthermore, I kindly request that you provide the credit score associated with my credit report as well, as stated in the FCRA. As a Puerto Rico resident, I understand that federal law governing credit reporting also applies to the U.S. territories, including Puerto Rico. Therefore, I should be granted the same rights and protections as residents in the United States. I am providing a copy of my government-issued identification and a document verifying my Puerto Rico residence. Please find these enclosed with this letter. I would appreciate it if you could send me the requested information promptly, within the timeframe specified by the FCRA, which is generally 30 days from the receipt of this letter. If there are any charges associated with this request, please inform me in writing before proceeding so that I can make an informed decision. Thank you for your prompt attention to this matter. I trust that you will conduct a thorough investigation and provide me with an accurate credit report and credit score. Should you have any questions or require additional information, please feel free to contact me at the phone number or email address provided above. Sincerely, [Your Name]
Puerto Rico Sample Letter for Request for Free Credit Report Based on Denial of Credit
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Request Your Free Credit Report:Online: Visit AnnualCreditReport.com. By Phone: Call 1-877-322-8228. For TTY service, call 711 and ask the relay operator for 1-800-821-7232.
You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228.
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.
When there's an error on one of your credit reports, you can file a dispute with the credit bureaus and ask that it be removed. But some disputes end with the bureaus saying the information is correct and declining to remove it.
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 lender must give you instructions for requesting your credit report from that particular credit reporting company. Those instructions are usually included with the declination notice. If an Experian credit report was used, you can request your free report at .
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.
I'm writing because I noticed your company reported a late payment in Date of late payment on my credit reports. I am requesting a goodwill adjustment to remove this late payment from my TransUnion, Experian and Equifax credit reports. Upon review of my records, I realize that I did indeed miss the payment deadline.
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.
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.
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