Mississippi 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.

[Your Name] [Your Address] [City, State, Zip Code] [Email Address] [Phone Number] [Date] [Credit Reporting Agency Name] [Address] [City, State, Zip Code] Subject: Request for Free Credit Report Allowed by Federal Law Dear [Credit Reporting Agency Name], I hope this letter finds you well. I am writing to request a free copy of my credit report, as allowed by the federal law under the Fair Credit Reporting Act (FCRA). I am a resident of Mississippi, and I understand that federal law gives me the right to obtain this report from each of the three nationwide credit reporting agencies once every 12 months. Furthermore, I have recently become concerned about the accuracy and security of my credit information, and I believe that obtaining my credit report will allow me to review the details of my credit history. It will also provide me a better understanding of my financial status and help me make informed decisions regarding my credit profile. To facilitate the process, I have included the necessary details below: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your Social Security Number] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Enclosed with this letter, please find a proof of my identity and residency. I have included copies of my valid state-issued identification card and a recent utility bill which clearly displays my current address. I request that you provide me with my detailed credit report within the time period allowed by the federal law. Please ensure that all three nationwide credit reporting agencies (Experian, Equifax, and TransUnion) provide me with the requested information. In accordance with the FCRA, I understand that you are required to respond to my request within 30 days. If for any reason my request cannot be fulfilled within this time frame, I kindly ask that you inform me of the delay and provide an estimated timeline for the provision of my credit report. Moreover, I must emphasize that I am not interested in any additional services, such as credit monitoring or score offers that may be presented in connection with this request. I solely aim to obtain a free copy of my credit report as permitted by the FCRA. Please ensure that this request is processed promptly and accurately. I would appreciate receiving my credit report at your earliest convenience. If you have any further questions or require any additional documentation to fulfill my request, please do not hesitate to contact me via the provided email address or phone number. Thank you for your attention to this matter. Sincerely, [Your Name]