Alaska Sample Letter for Request for Free Credit Report Allowed by Federal Law

• Category: Letters - Nonlegal - Requests
• State: Multi-State
• Control #: US-0098LR
• Format: Word; Rich Text

Description

This form allows an individual to request his or her annual free credit report allowed by federal law from each of the credit bureaus through the Annual Credit Report Request Service, which is the centralized source for consumers to request this annual credit report.

Subject: Request for Free Credit Report under Federal Law — Alaska Sample Letter Included Dear [Credit Reporting Agency's Name], I hope this letter finds you in good health. As an informed consumer and Alaskan resident, I am writing to exercise my rights provided under the Fair Credit Reporting Act (FCRA) and the Alaska state law to request a copy of my free credit report, as authorized by the Federal Trade Commission (FTC). As per Section 612 of the FCRA, I am entitled to receive one free credit report from each of the nationwide consumer credit reporting companies, including but not limited to Equifax, Experian, and TransUnion, once every 12 months. Therefore, I kindly request my free credit report from all the credit reporting agencies mentioned. To expedite the process, I provide you with the following accurate information necessary for accessing my credit report: 1. Full Name: [Your Full Name] 2. Current Address: [Your Complete Address] 3. Social Security Number: [Last 4 digits of SSN] 4. Date of Birth: [Your Date of Birth] 5. Previous Address (if applicable): [Previous Address, if different from current address] I appreciate your prompt attention to my request and ask that you provide me with a comprehensive credit report from each agency. If any credit report has already been accessed within the past 12 months, kindly include a disclosure notice indicating that I am still eligible for obtaining a free credit report. I would prefer to receive the credit reports via secure electronic delivery, if possible. However, if electronic delivery is unavailable, please forward the requested documents, securely sealed, to the following address: [Your Mailing Address] [City, State, Zip] Please ensure that the credit reports include all the necessary details, such as open accounts, closed accounts, payment history, public records, and any inquiries made by lenders or creditors. Additionally, I expect the credit reports to be current and accurate, reflecting all my credit information. Furthermore, kindly inform me of any additional steps or requirements necessary to complete this request. If any fees apply, please notify me beforehand and provide me with information on how to make the payment, as I am aware that certain ancillary services, like credit scores, may incur charges. Under the FCRA, I understand that I may dispute any inaccurate or incomplete information found in my credit report. Therefore, I kindly request that you provide clear instructions on how to correct any potential errors found within the reports. I would like to express my gratitude in advance for your prompt attention to this matter. As a responsible consumer, I highly value the importance of regularly monitoring my credit report for accuracy and identifying any potential fraudulent or suspicious activities. Please note that this letter is being sent via certified mail with return receipt requested to ensure proof of delivery. Should you require any further information or have any questions regarding this request, kindly contact me at [Your Phone Number] or via email at [Your Email Address]. Thank you for your cooperation and adherence to federal and state laws. I look forward to receiving my credit reports and exercising my right to a transparent and reliable credit history assessment. Sincerely, [Your Full Name] [Your Signature] [Date]