Subject: Request for Free Copy of Credit Report: Denial of Credit in North Carolina Dear Trans Union, I am writing to request a free copy of my credit report as provided by the Fair Credit Reporting Act (FCRA), as I have recently been denied credit, and I believe it may be attributed to inaccurate or outdated information on my credit profile. As a resident of North Carolina, I understand my rights under both the FCRA and North Carolina state laws, which entitles me to receive a free copy of my credit report in the event of a credit denial. I kindly request you provide me with a detailed credit report including all information that may have influenced the decision to deny my credit application. Considering the importance of maintaining accurate credit information, I am particularly interested in examining the following key elements: 1. Personal Information: Please provide a full disclosure of personal details contained in my credit report, such as my current and previous addresses, Social Security number, full name, and variations of my name if any. 2. Credit Accounts: Include a comprehensive listing of all credit accounts associated with my profile. This should encompass credit cards, loans (including mortgages or automotive loans), lines of credit, and any other credit products. Please specify the account name, account number, opening and closing dates, credit limit or loan amount, current balance, payment history, and if possible, the name of the lender or creditor. 3. Public Records: I would like any public records that appear on my credit report, such as bankruptcies, tax liens, judgments, or any other legal actions related to my creditworthiness. Please provide all relevant details regarding such records, including dates, balances, and resolution status if applicable. 4. Inquiries: Include a section detailing all inquiries made by potential creditors or lenders within the specified timeframe for which the credit report is requested. Please indicate the name of the organization or entity which made the inquiry, the date of the inquiry, and the type of inquiry (soft or hard), if available. 5. Disputes and Consumer Statements: If there are any disputes or consumer statements related to my credit history, kindly provide copies of all relevant correspondence and documents related to these matters. This will help me understand the nature of any ongoing issues and address them appropriately. I would like to assert my rights to a free copy of my credit report within the timeline mandated by the FCRA and North Carolina state laws. To verify my identity, please find the following information: Full Name: [Your Full Name] Date of Birth: [Your Date of Birth] Social Security Number: [Your SSN] Current Address: [Your Current Address] Previous Address (if applicable): [Your Previous Address] Kindly send the requested information to the following address: [Your Full Name] [Your Address] [City, State, ZIP Code] I appreciate your prompt attention to this matter. If there are any fees associated with this request, kindly inform me in advance. I look forward to receiving my credit report and taking necessary action to address any discrepancies or issues. Thank you for your cooperation. Sincerely, [Your Name] [Your Contact Number] [Your Email Address]
North Carolina 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 North Carolina Sample Letter To Trans Union Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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FAQ
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:
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.
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.
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.
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.
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.
