[Your Name] [Your Address] [City, State, ZIP Code] [Email Address] [Phone Number] [Date] Equifax Credit Information Services, Inc. P.O. Box 740241 Atlanta, GA 30374 Subject: Request for a Free Copy of Credit Report based on Denial of Credit Application Dear Equifax, I am writing to request a free copy of my credit report based on the denial of credit application as allowed under the Fair Credit Reporting Act. I recently applied for credit, and my application was denied due to information provided by your organization. I am a resident of Rhode Island, and according to the state laws, I am entitled to receive a copy of my credit report. The Rhode Island General Laws, Title 6, Chapter 13.2-21 states that if an adverse action has been taken against an individual as a result of information contained in their credit report, they are entitled to a free copy of the report from the credit reporting agency responsible. I hereby provide you with the necessary information to process my request: 1. Full Name: [Your Full Name] 2. Date of Birth: [Your Date of Birth] 3. Social Security Number: [Your SSN] 4. Current Address: [Your Current Address] 5. Previous Address (if applicable): [Your Previous Address] 6. Contact Information: [Your Phone Number and Email Address] Please note that the denial of credit occurred on [Date of Denial], and the name of the credit granter who denied my application is: [Name of Credit Granter]. In accordance with the federal law, I am kindly requesting that you provide the free copy of my credit report within [30 days, as per FCRA guidelines]. I would appreciate if you could provide the report via secure electronic means or through the mail at the address listed above. If there are any further charges associated with this request, please notify me in writing before proceeding. Also, I request that you provide me with the name, address, and contact information of each credit bureau that you provided information to, as mandated by law. Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me at the phone number or email address provided. I look forward to receiving a positive response and the requested credit report as soon as possible. Sincerely, [Your Full Name]
Rhode Island Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
Description
How to fill out Sample Letter To Equifax Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
Choosing the right legal document design might be a battle. Naturally, there are plenty of templates available on the net, but how would you discover the legal kind you require? Take advantage of the US Legal Forms internet site. The services offers thousands of templates, such as the Rhode Island Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit, that can be used for enterprise and personal requirements. All of the kinds are checked out by professionals and satisfy state and federal specifications.
If you are currently signed up, log in to the profile and click the Download button to obtain the Rhode Island Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit. Make use of your profile to search from the legal kinds you may have acquired previously. Check out the My Forms tab of the profile and acquire an additional copy of your document you require.
If you are a new consumer of US Legal Forms, listed here are easy directions for you to stick to:
- Very first, make sure you have selected the correct kind to your city/state. You can check out the form making use of the Review button and look at the form information to make sure it is the best for you.
- When the kind fails to satisfy your expectations, make use of the Seach field to find the proper kind.
- Once you are certain that the form is proper, click the Get now button to obtain the kind.
- Opt for the prices strategy you want and enter the essential information. Build your profile and pay for the order making use of your PayPal profile or Visa or Mastercard.
- Select the submit format and obtain the legal document design to the gadget.
- Complete, revise and print and signal the acquired Rhode Island Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit.
US Legal Forms will be the biggest catalogue of legal kinds where you can find a variety of document templates. Take advantage of the service to obtain expertly-produced paperwork that stick to state specifications.
Form popularity
FAQ
The Fair Credit Reporting Act (FCRA) allows you to get a free credit report if adverse action was taken as a result of information in the credit report. Examples of adverse action include being declined or having your interest rate increased.
If you are denied credit, the Equal Credit Opportunity Act requires that the credit card company or lender gives you a notice. The notice must tell you the specific reasons your application was rejected, or simply that you have the right to learn the reasons if you ask within 60 days.
Getting denied for a credit card does not affect your credit, so you don't have to worry about that. However, you might see a slight drop in your credit score due to the hard credit inquiry associated with your credit card application.
You can follow the instructions on the adverse action letter if you want to receive your free credit report. If the company that denied your application only requested one of your credit reports, you'll be able to get a free copy of your report from the same bureau.
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.
You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com.
Adverse Action and Your Free Credit Report 1? The adverse action letter should explain the reasons you were denied and inform you of your right to receive a free copy of the credit report that was used in the decision.
Sample Letter to Request a Credit Report Dear Sir or Madam: I would like to request a copy of my credit report file. I am providing the following information to obtain the report. Please contact me if you have any questions or need additional information.
