[Your Name] [Your Address] [City, State, ZIP Code] [Date] Trans Union P.O. Box 2000 Chester, PA 19016 Subject: Request for Free Copy of Credit Report based on Denial of Credit Dear Trans Union, I am writing to request a complimentary copy of my credit report as per my rights under the Fair Credit Reporting Act (FCRA), section 612. I recently applied for credit and was denied based on information contained in my credit report. Please find the relevant details below: Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Address: [Your Current Address] Phone Number: [Your Contact Number] I believe it is crucial to review and understand the information in my credit report to ensure its accuracy. As required by law, I kindly request that you provide me with a free copy of my credit report within the next 15 days. Additionally, please provide the contact information of the creditor(s) who provided adverse information leading to the denial of credit. I would like to reach out to them directly to obtain further insight into their decision and address any discrepancies, if applicable. To verify my identity, I have enclosed the following documents: 1. Photocopy of my valid government-issued identification (e.g., driver's license, passport). 2. Proof of current address (e.g., utility bill, bank statement). 3. Social Security card. 4. Any other documents requested by Trans Union to establish my identity. I kindly ask that you acknowledge the receipt of this letter within five business days and promptly process my request for a copy of my credit report based on the denial of credit. Should any additional information be needed or if there are any fees associated with this request, please inform me immediately. Thank you for your attention to this matter. I look forward to receiving the requested credit report and resolving any discrepancies that may exist. Your dedication to ensuring fair and accurate credit reporting is greatly appreciated. Sincerely, [Your Name] [Your Signature] Variations of Maine Sample Letter to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit can include: 1. Maine Sample Letter to Experian Requesting Free Copy of Your Credit Report based on Denial of Credit 2. Maine Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit These variations allow individuals to address the credit reporting agencies individually and ensure a comprehensive review of their credit history.
Maine 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
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.
You have the right to add a statement to your credit file. If an investigation doesn't resolve your dispute with the credit reporting company, you can ask that a brief statement of the dispute be included in your file and included or summarized in future credit reports.
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.
After writing a general dispute letter or a 609 credit disputing letter, followed by a 611 credit disputing letter, consumers can send a 623 credit disputing letter. With a 623 credit disputing letter, consumers request the credit agency to provide evidence to validate that the debt is theirs.
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.
If the company that denied your application only requested one of your credit reports, you'll be able to get a free copy of your report from the same bureau. For example, if the creditor used your Experian credit report, you can use the Experian Report Access page to request a copy of your credit report.
You are entitled to a free copy of your credit report if you are denied credit or you receive an adverse action letter wherein a credit decision was based on your credit report from a specific CRA.
You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form. Mail the completed form to:
