Subject: Request for Free Copy of Credit Report — Denial of Credit in Montgomery, Maryland Dear Equifax, I am writing to request a free copy of my credit report from your agency, as I recently received a denial of credit based on the information contained in your report. As a resident of Montgomery, Maryland, I want to ensure the accuracy of the report and identify any factors that may have led to the denial. I understand my rights under the Fair Credit Reporting Act (FCRA) to obtain a free copy of my credit report in the event of a credit denial. Enclosed with this letter, please find the necessary information to verify my identity as required by the law. This includes the following details: 1. Full Name: [Your Full Name] 2. Date of Birth: [Your Date of Birth] 3. Social Security Number: [Your SSN] 4. Current Address: [Your Address] 5. Previous Address: [If applicable, provide previous address] In addition to the above, I would appreciate if the credit report includes all information, inquiries, accounts, and public records related to my credit history. This will assist me in identifying any discrepancies or errors that may have contributed to the denial of credit. Please provide a comprehensive report covering the past seven years. Considering that Equifax is one of the three major credit reporting agencies, I anticipate receiving the credit report within the Federally-mandated timeframe of 30 days. If any additional information or documentation is required, please do not hesitate to contact me using the contact information provided below. I would like to emphasize the importance of providing an accurate and up-to-date credit report, as this information impacts my ability to secure credit and manage my financial well-being. As a responsible consumer, it is crucial for me to have access to reliable credit information. Thank you for your attention to this matter. I look forward to receiving the requested credit report promptly. Your cooperation is greatly appreciated. Sincerely, [Your Name] [Your Address] [City, State, ZIP] [Phone Number] [Email Address] Alternate Types: 1. Montgomery, Maryland Sample Letter to Experian Requesting Free Copy of Your Credit Report based on Denial of Credit 2. Montgomery, Maryland Sample Letter to TransUnion Requesting Free Copy of Your Credit Report based on Denial of Credit