Requesting a credit report after credit denialAs per the laws, if you're denied credit, you have the right to ask for a credit report from the bureaus within a period of 60 days of the denial. This is when you need to use a Request letter for credit report after credit denial. A sample format of such a letter is given below. Request letter for credit report after credit denial Your Name
Your Address Your SSN
Credit Bureau's Name Credit Bureau's Address
Date Dear Sir/Madam, I have been recently denied an application for [type of credit/loan] as I do not have a credit report to validate my credit profile. In accordance with the FCRA, I have the right to request a free copy of my credit report. My personal details are given below: My Full Name My Birth Date My Social Security Number My Current address My Former address I am enclosing herewith a copy of the credit denial letter, a photocopy of my driving license as proof of my current address and a copy of my Social Security Card. Please send me a copy of my credit report at the earliest. Yours sincerely, Your Signature Your Name |
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