Montgomery Maryland Sample Letter for Request for Free Credit Report Based on Denial of Credit

• Category: Letters - Nonlegal - Requests
• State: Multi-State
• County: Montgomery
• 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. Subject: Request for Free Credit Report Based on Denial of Credit — Montgomery, Maryland Dear [Credit Bureau], I am writing this letter to formally request a free credit report based on the denial of credit I recently experienced. I am a resident of Montgomery, Maryland, and my personal information is as follows: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Recently, I applied for credit with [Creditor Name], and to my surprise, my application was denied. According to the notice I received, the decision was based on information contained in my credit report. As a result, I would like to obtain a copy of my credit report to review and address any potential errors or discrepancies. I believe that it is my right, as stated in the Fair Credit Reporting Act, to access a free copy of my credit report after being denied credit. Therefore, I kindly request you to provide me with a detailed and up-to-date credit report as soon as possible. Please ensure that the credit report includes information from all three major credit bureaus: Experian, Equifax, and TransUnion. If there are any additional credit bureaus that have information relevant to my creditworthiness, please include them as well. I understand that there may be a process for verifying my identity. In order to facilitate this, I have enclosed copies of the following documents: 1. Proof of Identity: [Provide a copy of a government-issued identification document] 2. Proof of Address: [Provide a copy of a recent utility bill or bank statement] I kindly request that you send the credit report to the following address: [Your Full Name] [Your Complete Address] [City, State, ZIP] I would appreciate it if you could confirm receipt of this request and provide an estimated timeline for the delivery of my credit report. If there are any fees associated with obtaining the credit report, please inform me in advance. Thank you for your attention to this matter, and I look forward to receiving the requested credit report promptly. In case of any questions or concerns, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Full Name]

Subject: Request for Free Credit Report Based on Denial of Credit — Montgomery, Maryland Dear [Credit Bureau], I am writing this letter to formally request a free credit report based on the denial of credit I recently experienced. I am a resident of Montgomery, Maryland, and my personal information is as follows: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Recently, I applied for credit with [Creditor Name], and to my surprise, my application was denied. According to the notice I received, the decision was based on information contained in my credit report. As a result, I would like to obtain a copy of my credit report to review and address any potential errors or discrepancies. I believe that it is my right, as stated in the Fair Credit Reporting Act, to access a free copy of my credit report after being denied credit. Therefore, I kindly request you to provide me with a detailed and up-to-date credit report as soon as possible. Please ensure that the credit report includes information from all three major credit bureaus: Experian, Equifax, and TransUnion. If there are any additional credit bureaus that have information relevant to my creditworthiness, please include them as well. I understand that there may be a process for verifying my identity. In order to facilitate this, I have enclosed copies of the following documents: 1. Proof of Identity: [Provide a copy of a government-issued identification document] 2. Proof of Address: [Provide a copy of a recent utility bill or bank statement] I kindly request that you send the credit report to the following address: [Your Full Name] [Your Complete Address] [City, State, ZIP] I would appreciate it if you could confirm receipt of this request and provide an estimated timeline for the delivery of my credit report. If there are any fees associated with obtaining the credit report, please inform me in advance. Thank you for your attention to this matter, and I look forward to receiving the requested credit report promptly. In case of any questions or concerns, please do not hesitate to contact me at [Your Phone Number] or [Your Email Address]. Sincerely, [Your Full Name]