Request Credit Report after Credit Denial

[Your Name]
[Your Address]
[City, State ZIP Code]
[Date]

[Credit Bureau Name]
[Address]
[City, State ZIP Code]

Dear Sir/Madam:

I am writing to request a free copy of my credit report. On [DATE], my credit application for [TYPE OF CREDIT - loan, credit card, etc.] was denied based on information from a consumer credit report.

Under the Fair Credit Reporting Act, I have the right to obtain a free copy of my credit report within 60 days of being denied credit based on my credit report.

My personal information is as follows:

Full Name: [Your Name]
Date of Birth: [DOB]
Social Security Number: [SSN]
Current Address: [Address]
Previous Addresses: [List if applicable]

Please provide me with:

• A complete copy of my credit report
• An explanation of all codes and notations
• A list of companies that received inquiries about me in the past year

I understand this report is free due to my credit denial. Please provide the report within 15 business days of receiving this request.

Thank you for your attention to this matter.

Sincerely,

[Your Name]
[Your Signature]