Use these free letter samples as templates for your formal notification.
Use one or more of the example letters below as a source of inspiration for creating an effective credit report request letter.
Example 1 - Credit Report Request Letter
Name of Consumer
Address of Consumer
City, State, Zip Code
Name of Credit Bureau
Address of Credit Bureau
City, State, Zip Code
To Whom It May Concern:
This letter is to request a copy of my credit report. According to the Fair Credit Reporting Act (FCRA), I have the right to a free copy of my credit report every year. I would like to check my report because I believe it contains inaccurate information that has hampered my ability to buy a new car. I was denied credit from NAME OF CAR DEALERSHIP on DATE because of my low credit rating. As far as I know, my credit rating should be high.
To verify my identity I include my social security number, 123-45-6789, and a copy of my current driver’s license. My current address is as above, and my previous address is ADDRESS. I can be reached at 555-123-4567 or at [email protected] Thank you for your prompt attention to this matter.
Signature of Consumer
Name of Consumer Printed
List of enclosures
Example 2 - Credit Report Request Letter
May 28, 2015
Trans Union Credit Bureau
PO Box 2000
Chester, PA 19022
To Whom It May Concern,
I understand that it is my right to obtain a copy of my credit report once per year under the Fair Credit Reporting Act. I have reason to believe that there is information in my report that is not accurate and I wish to verify these discrepancies. I have also been denied credit by Jim Wyle Chevrolet on May 15, 2013. To the best of my understanding, there should have been nothing to prevent me from purchasing a new car. I need to review my report to ensure the information obtained within is accurate.
I know that your company will need some sort of verification to prove my identity. My social security number is 298-76-5498 and my current address is 120 Stewart Rd. Columbus, Ohio 43123. I have also attached a copy of my driver’s license which has my current address and social security number clearly printed on it. I would appreciate your prompt attention on this matter.
By Andre Bradley