Subject: Request for a Free Copy of Credit Report — Denial of Credit Dear Equifax, I am writing to request a free copy of my credit report, as I recently received a denial of credit notification. I reside in North Dakota and I would appreciate your prompt assistance in obtaining this essential document for my review and clarification. According to the Fair Credit Reporting Act (FCRA) Section 612, consumers are entitled to a free copy of their credit report if a credit application has been denied based on the information provided by Equifax. With this in mind, I kindly ask that you provide me with a comprehensive report that includes all the details and factors contributing to the credit denial decision. To ensure accuracy and completeness, I kindly request that you include the following information in the credit report: 1. Personal Information: — Full Nam— - Current Address - Previous Addresses (if applicable) — Social SecuritNumberbe— - Date of Birth 2. Account Information: — Details of my existing credit accounts — Account number— - Account types - Dates opened and closed (if applicable) 3. Public Records Information: — Bankruptcies, tax liens, and civil judgments (if any) 4. Credit Inquiry Information: — A record of recent inquiries made by creditors or lenders upon my request Please ensure that the credit report is comprehensive, accurately reflecting my financial history and any other relevant information that impacts creditworthiness. In line with the FCRA, I understand that you have 30 days to provide me with the requested credit report. Therefore, I kindly request that you expedite this process to avoid any unnecessary delays. I would like to express my appreciation in advance for your attention to this matter. Should you require any further information or documents from me to process my request, please let me know at your earliest convenience. I can be reached at the provided contact information below. Thank you for your understanding and cooperation. Sincerely, [Your Name] [Your Address] [City, State, ZIP Code] [Phone Number] [Email Address]
North Dakota Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
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How to fill out North Dakota Sample Letter To Equifax Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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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.
If you think that there is incorrect information on your Equifax Credit Report, please go to the Errors on my Credit Report section to raise a dispute. As we don't own the data, we'll manage the dispute with the data supplier on your behalf. Once the dispute has been raised, the company has 21 days to respond to it.
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.
You may call 1-888-407-0359 or send an email for support. ePort Support via customerservice.eportsupport@equifax.com. eMortgage Support via mortgage.support@equifax.com. Interconnect, eiD Verifier, eiD Compare, Decision Power via ETSupport@equifax.com. Workforce Solutions Support via verifierbilling@equifax.com.
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.
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:
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 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.
Once you find an error, you need to contact Equifax to let them know. You can do this one of three ways: Via web, by using the Equifax online dispute form. Via mail, by writing to Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374.
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.
