Bronx New York Sample Letter for Request for Free Credit Report Based on Denial of Credit

• Category: Letters - Nonlegal - Requests
• State: Multi-State
• County: Bronx
• Control #: US-0095LR
• Format: Word; Rich Text

Description

This form is used by an individual to request his or her free credit report from any credit reporting agency based on denial of credit. Dear [Creditor's Name], I hope this letter finds you in good health. I am writing to request a free credit report based on the recent denial of credit I received from [Creditor's Name]. It has come to my attention that my creditworthiness was a determining factor in being denied the credit that I had applied for. As stated in the Fair Credit Reporting Act (FCRA), I am entitled to a free copy of my credit report from all three major credit bureaus — Equifax, Experian, and TransUnion – within 60 days of receiving a denial of credit. Therefore, I kindly request that you provide me with the necessary details to obtain this report. In order to expedite this process, I have provided my personal information below: Full Name: Current Address: Social Security Number: Date of Birth: Please ensure that all the information is accurate and correctly spelled to facilitate the retrieval of my credit report. Additionally, please inform me of the specific bureau or bureaus from which I should request the report. Moreover, I would like to highlight the importance of conducting a thorough investigation into the factors that led to my denial of credit. If there are any errors or inaccuracies present on my credit report, I kindly ask that you bring them to my attention, so I can rectify them promptly. It is essential to have an accurate representation of my credit history to avoid future misunderstandings or difficulties when seeking credit. I appreciate your attention to this matter and look forward to receiving the necessary information to request my free credit report. If you have any questions or require any additional documents from my end, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Your assistance in resolving this matter promptly is greatly appreciated. Thank you for your time and consideration. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code]

Dear [Creditor's Name], I hope this letter finds you in good health. I am writing to request a free credit report based on the recent denial of credit I received from [Creditor's Name]. It has come to my attention that my creditworthiness was a determining factor in being denied the credit that I had applied for. As stated in the Fair Credit Reporting Act (FCRA), I am entitled to a free copy of my credit report from all three major credit bureaus — Equifax, Experian, and TransUnion – within 60 days of receiving a denial of credit. Therefore, I kindly request that you provide me with the necessary details to obtain this report. In order to expedite this process, I have provided my personal information below: Full Name: Current Address: Social Security Number: Date of Birth: Please ensure that all the information is accurate and correctly spelled to facilitate the retrieval of my credit report. Additionally, please inform me of the specific bureau or bureaus from which I should request the report. Moreover, I would like to highlight the importance of conducting a thorough investigation into the factors that led to my denial of credit. If there are any errors or inaccuracies present on my credit report, I kindly ask that you bring them to my attention, so I can rectify them promptly. It is essential to have an accurate representation of my credit history to avoid future misunderstandings or difficulties when seeking credit. I appreciate your attention to this matter and look forward to receiving the necessary information to request my free credit report. If you have any questions or require any additional documents from my end, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Your assistance in resolving this matter promptly is greatly appreciated. Thank you for your time and consideration. Sincerely, [Your Full Name] [Your Address] [City, State, ZIP Code]