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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.
The 623 dispute method allows you to dispute any inaccurate information on your credit report directly with the original creditor.
You will need to complete the adverse action information that is included in the request form about the company that declined your application. The Fair Credit Reporting Act (FCRA) allows you to get a free credit report if adverse action was taken as a result of information in the credit report.
You can follow the instructions on the adverse action letter if you want to receive your free credit report. 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.
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.
How to get a copy of your credit report Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.
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.