Subject: Request for Free Copy of Credit Report — Denial of Credit Dear Equifax, I am writing to you today to request a free copy of my credit report based on a recent denial of credit. I wanted to understand the reason behind this denial and ensure that there are no errors or inaccuracies on my credit report that may be affecting my creditworthiness. I reside in Phoenix, Arizona, and I firmly believe in the importance of maintaining a good credit score. Therefore, I am seeking your assistance in obtaining a detailed credit report to analyze and rectify any issues. As such, I kindly ask you to provide me with the requested information at your earliest convenience. Local residents of Phoenix, Arizona, like myself, value knowledge and transparency when it comes to matters regarding our financial health. As one of the major credit reporting agencies, I trust that Equifax can deliver a comprehensive report that highlights any factors leading to the denial of credit. This information will enable me to take appropriate actions to improve my credit standing and avoid such difficulties in the future. I understand that according to the Fair Credit Reporting Act (FCRA), I am entitled to a free copy of my credit report upon being denied credit. Therefore, I kindly request you to adhere to this federal law and provide me with the requested report without any charges. Please inform me of any additional supporting documentation or personal information that I may need to provide to expedite this process. I will be happy to furnish any required details promptly to facilitate a smooth resolution. Thank you for your attention to this matter. I look forward to receiving my credit report from Equifax so that I can review and address any outstanding issues accordingly. Please feel free to contact me at the phone number or email address mentioned below if you require any further details or have any questions regarding this request. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address] Note: There are no known different types of Phoenix, Arizona sample letters to Equifax requesting a free copy of your credit report based on denial of credit.