Subject: Request for a Free Copy of Credit Report — Denial of Credit [Your Name] [Your Address] [City, State, ZIP Code] [Date] Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374-0256 Re: Request for a Free Copy of Credit Report — Denial of Credit [Your Full Name] [Your Address] [City, State, ZIP Code] [Equifax Customer/Report Number, if available] Dear Equifax, I am writing to request a free copy of my credit report based on the denial of credit. According to the Fair Credit Reporting Act (FCRA), I am entitled to receive a copy of my credit report when my credit application has been denied. Therefore, as I am a resident of Vermont and have been denied credit, I kindly request that you provide me with a copy of my credit report that you have on file. Having been recently denied credit, I believe it is crucial to review the information being reported by Equifax to ensure its accuracy and address any potential errors or discrepancies. By law, as a consumer, I have the right to access this information to understand the factors that influenced the lender's decision and take necessary steps to improve my creditworthiness in the future. To expedite this process, please find my relevant personal information below: Full Name: [Your Full Name] Social Security Number: [Your SSN] Date of Birth: [Your DOB] Current Address: [Your Complete Address] Previous Address (if applicable): [Your Complete Previous Address] I would like to request a complete copy of my credit report, including all the information and data that Equifax may have pertaining to my credit history. This includes credit accounts, inquiries, public records, and any other relevant information. Please provide the report within the time frame stipulated by the FCRA, which is generally 30 days upon receipt of this letter. If you require any additional information or documentation to process my request, please inform me promptly. I can be reached at [Your Phone Number] or via email at [Your Email Address] during regular business hours. I appreciate your prompt attention to this matter so that I may be better informed of the factors impacting my creditworthiness. Thank you for your assistance in resolving this matter and providing me with the requested credit report. Sincerely, [Your Full Name]
Vermont Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
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How to fill out Sample Letter To Equifax Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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FAQ
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 are entitled to a free copy of your credit report if you are denied credit or you receive an adverse action letter wherein a credit decision was based on your credit report from a specific CRA.
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. For example, if the creditor used your Experian credit report, you can use the Experian Report Access page to request a copy of your credit report.
You have the right to add a statement to your credit file. If an investigation doesn't resolve your dispute with the credit reporting company, you can ask that a brief statement of the dispute be included in your file and included or summarized in future credit reports.
In the case of an adverse action, you're only entitled to order a free credit report from the credit bureau who provided the report used in the creditor's decision. For example, if the lender reviewed your Equifax credit report to process your application, you're only entitled to a free Equifax credit report.
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.
You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form. Mail the completed form to:
