Oakland Michigan Sample Letter for Request for Free Credit Report Based on Denial of Credit

• Category: Letters - Nonlegal - Requests
• State: Multi-State
• County: Oakland
• 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 [Credit Reporting Bureau], I am writing to formally request a free copy of my credit report based on the recent denial of credit. I recently applied for credit and was denied, which under the Fair Credit Reporting Act (FCRA), entitles me to obtain a free copy of my credit report from your agency within 60 days of the denial. As per the FCRA guidelines, I have enclosed the necessary information to complete this request. Please find the following details included with this letter: 1. Full Name: [Your Full Name] 2. Date of Birth: [Your Date of Birth] 3. Social Security Number: [Your Social Security Number] 4. Address: [Your Full Address] Furthermore, I would like to provide additional context regarding the denial of credit. The denial notice I received mentioned that the decision was based on information obtained from your credit reporting agency. In order to understand the reasons behind this decision, I kindly request a detailed copy of my credit report. Kindly note that according to FCRA section 611(a)(2), I am entitled to receive a free copy of my credit report within 60 days of adverse action or denial of credit. I appreciate your prompt attention in this matter and request that you send the credit report to the mailing address provided above. In case any additional information or documentation is required to process this request, please let me know promptly. I trust that you will handle this request in accordance with the FCRA and any other applicable laws. Thank you for your assistance, and I look forward to receiving my credit report within the mandated timeframe. Sincerely, [Your Name] [Your Contact Information]

Dear [Credit Reporting Bureau], I am writing to formally request a free copy of my credit report based on the recent denial of credit. I recently applied for credit and was denied, which under the Fair Credit Reporting Act (FCRA), entitles me to obtain a free copy of my credit report from your agency within 60 days of the denial. As per the FCRA guidelines, I have enclosed the necessary information to complete this request. Please find the following details included with this letter: 1. Full Name: [Your Full Name] 2. Date of Birth: [Your Date of Birth] 3. Social Security Number: [Your Social Security Number] 4. Address: [Your Full Address] Furthermore, I would like to provide additional context regarding the denial of credit. The denial notice I received mentioned that the decision was based on information obtained from your credit reporting agency. In order to understand the reasons behind this decision, I kindly request a detailed copy of my credit report. Kindly note that according to FCRA section 611(a)(2), I am entitled to receive a free copy of my credit report within 60 days of adverse action or denial of credit. I appreciate your prompt attention in this matter and request that you send the credit report to the mailing address provided above. In case any additional information or documentation is required to process this request, please let me know promptly. I trust that you will handle this request in accordance with the FCRA and any other applicable laws. Thank you for your assistance, and I look forward to receiving my credit report within the mandated timeframe. Sincerely, [Your Name] [Your Contact Information]