[Your Name] [Your Address] [City, State, Zip Code] [Date] Equifax Information Services LLC P.O. Box 740241 Atlanta, GA 30374 Subject: Request for Free Copy of Credit Report due to Denied Credit Application Dear Equifax, I hope this letter finds you well. I am writing to request a free copy of my credit report, as I recently had a credit application denied. I believe it is essential to review the information contained in my credit file to identify any potential errors or discrepancies that may have contributed to this denial. Please find the relevant details regarding my credit application: — Name: [Your Full Name— - Social Security Number: [Your SSN] — Address: [Your Address— - Phone Number: [Your Phone Number] — Date of Birth: [Your Date of Birth] Enclosed, please find a copy of the denial letter received from the creditor, [Creditor's Name]. They stated that my application was denied based on information obtained from my credit report. Consequently, I kindly request your prompt attention to this matter and your assistance in providing me with a free copy of my credit report, as per my legal rights under the Fair Credit Reporting Act (FCRA). I understand that I am entitled to one free credit report every 12 months, as per the Federal Trade Commission's guidelines. Therefore, I kindly request that you promptly process my request and send the credit report to the address mentioned above. In addition to the credit report, I kindly ask that you include any contact information or details of the creditor(s) or collection agency(IES) that provided the negative information resulting in my credit denial. This will help me direct my efforts towards resolving any potential inaccuracies. I look forward to receiving the credit report within the timeframe stipulated by law, which is generally 30 days from receiving this letter. Should there be any issues or delays, I kindly request that you inform me promptly. Thank you for your attention to this matter and for your help in ensuring the accuracy of my credit file. Please do not hesitate to contact me should you require any further information. Sincerely, [Your Name]
Bexar Texas Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
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How to fill out Bexar Texas Sample Letter To Equifax Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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FAQ
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:
You can send a credit report dispute letter to Equifax, P.O. Box 740256, Atlanta, GA 30374-0256.
Where to Send Your Credit Dispute Letter Experian. Dispute Department. PO Box 4500. Allen, TX 75013. Equifax. PO Box 740256. Atlanta, GA 30374-0256. TransUnion. TransUnion Consumer Solutions. PO Box 2000. Chester, PA 19016-2000.
If you are declined, you can get a free report under the FCRA, and you still can get a free report under the FACT Act. You can get additional free reports under some states laws, if you live in a state that provides for one or more free reports annually.
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.
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 .
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.
Contact the Creditor Directly Contact the creditor that furnished the incorrect information, and demand that it tell the credit reporting agency to remove the data from your report. You can use Nolo's Request to Creditor to Remove Inaccurate Information or write your own letter.
Give you the name, address, and telephone number of the credit reporting company that provided the report. Tell you about your right to get a free copy of your credit report from the credit reporting company that provided it within 60 days of your adverse action notice.
You will need to contact each credit bureau individually by mail: Equifax Complaint Department, P.O. Box 740241, Atlanta, GA 30374-0241. Experian National Consumer Assistance Center, P.O. Box 9532, Allen, TX 75013.
