Subject: Request for Free Credit Report Based on Denial of Credit [Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Credit Reporting Agency's Name] [Address] [City, State, Zip Code] Dear Sir/Madam, I am writing to request a free copy of my credit report, as allowed under the Fair Credit Reporting Act (FCRA), as I have recently been denied credit. I believe it is essential to examine my credit file thoroughly for accuracy and address any discrepancies or errors promptly. Please find the following relevant details regarding my credit application: 1. Denial of Credit: — Date of denial: [Date of credit application denial] — Creditor's name: [Creditor's name or the company that denied my credit application] — Reason cited for denial: [Specify the reason or reasons mentioned for denying the credit] 2. Personal Information: — Full Name: [Your Full Name— - Date of Birth: [Your Date of Birth] — Social Security Number: [Your SSN] 3. Contact Information: — Current Address: [Your Current Address] — Previous Address (if applicable): [Your Previous Address] — Contact Phone Number: [Your Contact Phone Number] — Email Address: [Your Email Address] I kindly request that you provide me with a copy of my credit report from all three major credit bureaus: Equifax, Experian, and TransUnion. I would appreciate it if the reports could be sent to me in a single package for easy comparison. Please note that I am a resident of West Virginia, and as per the West Virginia Free Credit Report Law, I am entitled to receive a free credit report annually. Considering my denied credit application, I kindly request a waiver of any applicable fees associated with obtaining these reports. To further expedite this request, I have included a copy of my identification document (driver's license/passport/photo ID) and a recent utility bill reflecting my current address as proof of identity and residence. I understand that you are required to provide the credit reports within 30 days of receiving this request, according to the FCRA. I further request that you promptly investigate and rectify any discrepancies or errors found during the process. Thank you for your prompt attention to this matter. Should you require any additional documentation or information, please do not hesitate to contact me at the provided phone number or email address. I look forward to receiving my credit reports and working towards a resolution if any issues are found. Sincerely, [Your Name]
West Virginia Sample Letter for Request for Free Credit Report Based on Denial of Credit
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How to fill out West Virginia Sample Letter For Request For Free Credit Report Based On Denial Of Credit?
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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.
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.
Send a letter asking for the reasons behind your credit denial. Be sure to save a copy of the signed letter for proof in case they don't respond. Get the credit report. Every adverse action notice should include the identity of any credit bureau that provided credit information used to deny you credit.
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.
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 .
6 Things You Should Do If You've Been Denied CreditReview the Reason for the Denial.Plead Your Case.Check Your Credit Report and Credit Score.Address Credit Concerns.Apply With a Different Lender.Continue to Monitor Your Credit.Maintain a Long-Term Mindset.
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.
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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I have created a template for a business request letter. You do have to modify the letter depending on which industry you are going to use as it's quite a hard task to make this letter look professional without making mistakes.
