Title: Maryland Sample Letter to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit Introduction: As a Maryland resident, it is important to know your rights when it comes to obtaining a free copy of your credit report. If you have been denied credit recently, the Fair Credit Reporting Act (FCRA) allows you to request a free copy of your credit report from Trans Union, one of the three major credit reporting agencies. To assist you in this process, we have provided a detailed sample letter below along with relevant Maryland-specific information. Keywords: Maryland, sample letter, Trans Union, requesting free copy, denial of credit, credit report Sample Letter to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit: [Your Name] [Your Address] [City, State, ZIP] [Date] Trans Union Consumer Relations P.O. Box 2000 Chester, PA 19016 Subject: Request for Free Copy of Credit Report under the Fair Credit Reporting Act [Your Full Name] [Your Address] [City, State, ZIP] Dear Trans Union Consumer Relations, I am writing to request a free copy of my credit report, as allowed by the Fair Credit Reporting Act (FCRA), subsection 611(a). Recently, I was denied credit, and as per my rights, I believe this entitles me to obtain a copy of my credit report. Based on the denial notice I received and per the FCRA, I understand that I have the right to obtain a free copy of the credit report that was used in the decision process. My details for the credit denial are as follows: — Denial Date: [Denial Date— - Creditor's Name: [Creditor's Name] — Creditor's Address: [Creditor's Address] As a Maryland resident, I am aware that I have additional rights under state law. Maryland's law provides consumers with the right to a free copy of their credit report within 60 days of being denied credit. I kindly request that you consider this timeframe while processing my request. Furthermore, please ensure that my credit report includes all the information you have on file regarding my financial history. To assist you in identifying my information accurately, please find the following details: — Full Name: [Your Full Name— - Social Security Number: [Your SSN] — Date of Birth: [Your Date of Birth] Enclosed with this letter, please find a copy of my government-issued identification for your reference. Should you require any additional information to process this request, kindly let me know as soon as possible. I request that you provide the credit report as soon as possible, within the time limits granted by the FCRA. Please send the report to the address provided above, or alternatively, you may provide it via secure electronic means. Thank you for your prompt attention to this matter. I remain available for any clarification or confirmation you may require. Sincerely, [Your Name] Types of Maryland Sample Letters to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit: 1. Maryland Sample Letter to Trans Union Requesting Free Copy of Your Credit Report (Basic Version) — A shorter version of the letter presented above, covering the essential details necessary to request a free copy of the credit report. 2. Maryland Sample Letter to Trans Union Requesting Free Copy of Your Credit Report (Guardianship or Power of Attorney) — A letter template suitable for individuals acting as guardians or those with a legitimate power of attorney for someone who has been denied credit. 3. Maryland Sample Letter to Trans Union Requesting Free Copy of Your Credit Report (Identity Theft) — A specialized version of the letter specially tailored for victims of identity theft who have experienced denial of credit as a result. 4. Maryland Sample Letter to Trans Union Requesting Free Copy of Your Credit Report (Court Judgment) — A letter template designed for individuals who have been denied credit based on a court judgment and wish to request a free copy of their credit report. Note: The above types represent potential variations based on specific circumstances of a denial of credit. The central content and intent of the letters remain consistent with the provided sample.
Maryland Sample Letter to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit
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How to fill out Sample Letter To Trans Union Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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FAQ
You can send disputes by mail to TransUnion Consumer Solutions, P.O. Box 2000, Chester, PA 19016-2000.
The following are important details to include in the goodwill letter: The date. Your name. Your address. Your creditor's name. Your creditor's address. Your account number. The negative mark you'd like removed. Which credit bureaus the mark needs to be removed from.
Sample Letter to Request a Credit Report Dear Sir or Madam: I would like to request a copy of my credit report file. I am providing the following information to obtain the report. Please contact me if you have any questions or need additional information.
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.
If you believe you have an inquiry on your credit report as a result of fraud, contact the lender directly to ask them about the inquiry. If they find it was made in error, ask them to inform the credit reporting agencies. If it was made fraudulently, contact the TransUnion Fraud Department.
In the case of an adverse action, you're only entitled to order a free credit report from the credit bureau who provided the report used in the creditor's decision. For example, if the lender reviewed your Equifax credit report to process your application, you're only entitled to a free Equifax credit report.
Under Maryland law: To order your free credit report under Maryland law, you must contact each credit report- ing company directly. The simplest and most straightfor- ward method is to order them online at the following links: Equifax: .equifax.com/fcra.
What you need Full name. Social Insurance Number (optional) Date of birth. Current address. Previous address (if at current address less than two years) Name of the disputed item (from your credit report) Reason for your dispute (e.g., you have paid the account, etc.)
