According to the law you have the right to ask for your credit report within 60 days of the turn down if you are denied the credit. You should send a copy of the letter to all the bureaus.

Credit Bureau
Credit Bureau address

Date:

Dear Sir/Madam,

I have been recently denied an application for <type of loan>, as I do not have a credit report to validate my credit standings.

In accordance with the FCRA, I have the right to claim a free copy of my credit report.

My personal Info being:

My name:
Date of birth:
Social Security no:
Current address:
Former address:

I am enclosing herewith a copy of the turn down letter, a photocopy of my driving license verifying my present address and a photocopy of my Social Security Card. Please send my credit report at the earliest.
Thank you,
Yours sincerely,

<Your name>
<Your address>

Enclosures: