Rhode Island Sample Letter to Equifax Requesting Free Copy of Your Credit Report based on Denial of Credit
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How to fill out Sample Letter To Equifax Requesting Free Copy Of Your Credit Report Based On Denial Of Credit?
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FAQ
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. Examples of adverse action include being declined or having your interest rate increased.
If you are denied credit, the Equal Credit Opportunity Act requires that the credit card company or lender gives you a notice. The notice must tell you the specific reasons your application was rejected, or simply that you have the right to learn the reasons if you ask within 60 days.
Getting denied for a credit card does not affect your credit, so you don't have to worry about that. However, you might see a slight drop in your credit score due to the hard credit inquiry associated with your credit card application.
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.
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 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.
Adverse Action and Your Free Credit Report 1? The adverse action letter should explain the reasons you were denied and inform you of your right to receive a free copy of the credit report that was used in the decision.
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.
