Alaska Sample Letter for Request for Free Credit Report Based on Denial of Credit
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How to fill out Sample Letter For Request For Free Credit Report Based On Denial Of Credit?
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FAQ
You are entitled to a free copy of your credit reportYou have the right to get a free copy of your credit report within 60 days of being denied credit. Simply contact the credit reporting agency that provided the credit report and ask for a free report. You can also get a free credit report every 12 months.
The lender must give you instructions for requesting your credit report from that particular credit reporting company. Those instructions are usually included with the declination notice. If an Experian credit report was used, you can request your free report at .
Yes, you can still get a free credit report when your application is declined, but you can only get a free report from the credit reporting company that provided the report upon which the decision was based.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
Request Your Free Credit Report:Online: Visit AnnualCreditReport.com. By Phone: Call 1-877-322-8228. For TTY service, call 711 and ask the relay operator for 1-800-821-7232.
The credit report you get when you're denied credit is in addition to the annual credit report that you can order once a year from the three credit bureaus through AnnualCreditReport.com.
You're entitled to one free copy of your credit report every 12 months from each of the three nationwide credit reporting companies. Order online from annualcreditreport.com, the only authorized website for free credit reports, or call 1-877-322-8228.
6 Things You Should Do If You've Been Denied CreditReview the Reason for the Denial.Plead Your Case.Check Your Credit Report and Credit Score.Address Credit Concerns.Apply With a Different Lender.Continue to Monitor Your Credit.Maintain a Long-Term Mindset.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
