Subject: Request for Free Copy of Credit Report — Denial of Credit Dear Equifax Customer Service, I am writing to request a free copy of my credit report as I recently experienced a denial of credit. Upon reviewing my credit history, I noticed that there might be inaccuracies or discrepancies that led to this unfortunate outcome. As a responsible consumer, I believe it is my right to obtain a copy of my credit report to assess and rectify any potential errors. Based on the denial of credit, I am aware that my creditworthiness may have been impacted. In an effort to take the necessary steps toward improving my financial situation and detecting any discrepancies, I kindly request that you provide me with a free copy of my credit report from Equifax. As a resident of the Virgin Islands, I understand that there may be specific processes or additional considerations related to accessing my credit information. I would greatly appreciate any guidance or instructions you can provide regarding the necessary steps to obtain my credit report as an individual residing in the Virgin Islands. It is crucial for me to thoroughly review my credit history to ensure its accuracy, as it directly affects my financial well-being, including future loan applications and potential employment opportunities. Therefore, I kindly request that you prioritize my request and provide me with the credit report as soon as possible. I understand that by law, I am entitled to a free copy of my credit report upon denial of credit, and I would like to exercise this right promptly. Additionally, please ensure that the credit report you provide includes the most up-to-date information from all relevant credit bureaus, as this will allow me to grasp a comprehensive overview of my financial status. I am grateful for your attention to this matter and your assistance in resolving any potential discrepancies in my credit history. Please do not hesitate to contact me by phone or email if any further information is required. Thank you for your prompt attention and cooperation. Kind regards, [Your Name] [Your Address] [City, State, ZIP] [Email Address] [Phone Number]