Utah Sample Letter to Experian - formerly TRW - Requesting Free Copy of Your Credit Report based on Denial of Credit

• Category: Letters - Legal - Credit
• State: Multi-State
• Control #: US-0528LTR
• Format: Word; Rich Text

Description

This form is a sample letter in Word format covering the subject matter of the title of the form. Subject: Request for a Free Copy of Your Credit Report in Utah — Denial of Credit Dear Experian (formerly TRY), I am writing to request a free copy of my credit report based on being denied credit. As a resident of Utah, I am aware of my rights under the federal Fair Credit Reporting Act (FCRA), which entitles me to a complimentary copy of my credit report annually if I have been denied credit. I strongly believe it is important to review my credit history for any potential errors or discrepancies that may have led to the denial. Enclosed with this letter is a copy of the denial letter I received from the creditor, [Creditor Name], which outlines the reasons for their decision. It is crucial to note that this denial is the catalyst for my request as it triggered my legal entitlement to a free credit report. My personal information is as follows: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your Social Security Number] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Phone Number: [Your Phone Number] Email Address: [Your Email Address] I kindly request that you promptly take the necessary steps to provide me with a comprehensive copy of my credit report. Please ensure that the report includes information from all three major credit bureaus — Experian, Equifax, and TransUnion – as it will enable me to obtain a holistic view of my credit history. To ensure the accuracy and completeness of the credit report, I would also like to request that you include the following details: 1. Personal Identifying Information: — Name variation— - Current and previous addresses — Datbirdrt— - Social Security Number (last four digits are acceptable) 2. Credit Accounts: — Current and closed account— - Account numbers — Account types (credit card, loan, mortgage, etc.) — Paymenhistoryor— - Credit limits or loan amounts — Balanceownin— - Dates of account opening and closure 3. Public Records: Bankruptciesie— - Tax liens - Judgments 4. Inquiries: — A list of entities that have accessed my credit report within the past two years — Inquiry date— - Inquiry types (hard or soft inquiries) 5. Dispute Information: — Any ongoing or resolved disputes related to my credit file Please ensure that the credit report is organized and easy to understand, with any complicated terms or codes explained for clarity. In compliance with the FCRA, I understand that you have thirty days to fulfill this request. I kindly request you to confirm your receipt of this letter and provide an estimated date of when I can expect to receive my credit report. If any additional information or documentation is necessary to process my request, please inform me promptly so that I may provide it to you. Thank you for your prompt attention to this matter and your dedication to upholding the consumer rights as outlined in the FCRA. I appreciate your assistance in securing a free copy of my credit report based on the denial of credit. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Date]

Subject: Request for a Free Copy of Your Credit Report in Utah — Denial of Credit Dear Experian (formerly TRY), I am writing to request a free copy of my credit report based on being denied credit. As a resident of Utah, I am aware of my rights under the federal Fair Credit Reporting Act (FCRA), which entitles me to a complimentary copy of my credit report annually if I have been denied credit. I strongly believe it is important to review my credit history for any potential errors or discrepancies that may have led to the denial. Enclosed with this letter is a copy of the denial letter I received from the creditor, [Creditor Name], which outlines the reasons for their decision. It is crucial to note that this denial is the catalyst for my request as it triggered my legal entitlement to a free credit report. My personal information is as follows: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your Social Security Number] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Phone Number: [Your Phone Number] Email Address: [Your Email Address] I kindly request that you promptly take the necessary steps to provide me with a comprehensive copy of my credit report. Please ensure that the report includes information from all three major credit bureaus — Experian, Equifax, and TransUnion – as it will enable me to obtain a holistic view of my credit history. To ensure the accuracy and completeness of the credit report, I would also like to request that you include the following details: 1. Personal Identifying Information: — Name variation— - Current and previous addresses — Datbirdrt— - Social Security Number (last four digits are acceptable) 2. Credit Accounts: — Current and closed account— - Account numbers — Account types (credit card, loan, mortgage, etc.) — Paymenhistoryor— - Credit limits or loan amounts — Balanceownin— - Dates of account opening and closure 3. Public Records: Bankruptciesie— - Tax liens - Judgments 4. Inquiries: — A list of entities that have accessed my credit report within the past two years — Inquiry date— - Inquiry types (hard or soft inquiries) 5. Dispute Information: — Any ongoing or resolved disputes related to my credit file Please ensure that the credit report is organized and easy to understand, with any complicated terms or codes explained for clarity. In compliance with the FCRA, I understand that you have thirty days to fulfill this request. I kindly request you to confirm your receipt of this letter and provide an estimated date of when I can expect to receive my credit report. If any additional information or documentation is necessary to process my request, please inform me promptly so that I may provide it to you. Thank you for your prompt attention to this matter and your dedication to upholding the consumer rights as outlined in the FCRA. I appreciate your assistance in securing a free copy of my credit report based on the denial of credit. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code] [Date]