Title: New Jersey Sample Letter to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit Introduction: In New Jersey, individuals have the right to access their credit reports free of charge if they have been denied credit. If you have recently been denied credit and want to obtain a free copy of your credit report from Trans Union, you can use the following sample letter as a template. This letter will help you assert your rights under the Fair Credit Reporting Act (FCRA) and improve your understanding of your credit history. Sample Letter to Trans Union Requesting Free Copy of Your Credit Report: [Your Name] [Your Address] [City, State, Zip Code] [Date] [Trans Union Consumer Relations] [Address] [City, State, Zip Code] Subject: Request for Free Copy of My Credit Report based on Denial of Credit Dear Sir/Madam, I am writing to request a free copy of my credit report, as guaranteed by the Fair Credit Reporting Act (FCRA) Section 612, which entitles me to obtain a copy if my application for credit has been denied within the past 60 days. I recently applied for credit and was informed by the creditor that my application was denied based on information found in my credit report. Therefore, I kindly request that you provide me with a copy of my credit report within the next 30 days. To assist you in processing my request, please find the necessary information 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: [Your Previous Address, if applicable] Is there is any additional information or documentation required to fulfill this request, please let me know promptly. I am willing to provide any other necessary information to complete the process. Please send the free copy of my credit report to the address provided above. I understand that once I receive the credit report, I may contact Trans Union to discuss any discrepancies, errors, or outdated information that may be affecting my creditworthiness. Thank you for your prompt attention to this matter. Your cooperation is greatly appreciated. Sincerely, [Your Name] [Your Contact Number] [Your Email Address, if applicable] Types of New Jersey Sample Letters to Trans Union Requesting Free Copy of Your Credit Report based on Denial of Credit: 1. Simple Request Letter: A concise letter that includes only the necessary information to request a free copy of your credit report based on denial of credit. 2. Detailed Request Letter: A comprehensive letter that includes additional personal details and explanations to support the request for a free credit report, especially if there are specific issues or concerns regarding the denial of credit. 3. Discrepancy Request Letter: This type of letter focuses on requesting a free copy of the credit report to address inaccuracies or discrepancies found in the denied credit application. 4. Deadline-Oriented Request Letter: A strongly worded letter asserting the need for an immediate response due to time constraints, emphasizing the importance of quick action in order to take appropriate steps to rectify any inaccuracies. Note: These are just variations of letters used to request a free copy of the credit report based on denial of credit and may be adapted to suit individual needs and circumstances.
New Jersey 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 New Jersey 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.
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.
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 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.
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:
You have the right to request one free copy of your credit report each year from each of the three major consumer reporting companies (Equifax, Experian and TransUnion) by visiting AnnualCreditReport.com.
