This review list is intended to educate you on the subject of this document and to aid you in its preparation. You are legally entitled to a free credit report from the agency or agencies utilized by a creditor who denies you credit, provided that you request the report within 30 days of the denial. As a result, the best course of action following a rejection is to immediately contact the credit reporting agency and request a copy of the credit report.
There are three major credit bureaus, and their addresses are included on the above letter in a “cc” format, so you can send the request to all three simultaneously. These agencies modify their policies on a regular basis. Occasionally, one or more of them have made it a normal practice to give a free report to a consumer who requests it no more than once a year. As a result, you are encouraged to request the report for free. If you are required to pay, the fee will be $15 or less.
Credit reporting has improved significantly over the last decade as computer systems have become more capable and the data entered and updated has become more precise. Nonetheless, you should obtain a copy of your report in order to dispute any bogus negative credit reports. This method will only benefit your situation and will not harm it in any manner.
Note: If you requested a report and were not denied, simply write or phone and request that the charges be billed to your credit card.
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Credit Reporting Agency, Request for Report
Social Security Number:
Date of Birth:
Dear Sir or Madam:
Please send me a free credit report because I was turned down for credit within the last 30 days, according to the enclosed letter.
Please send the report to me as promptly as possible to the above address on the letterhead in order for me to get my credit file up to date.
Thank you in advance for your prompt attention to this matter.
Name of Requestor
Three Major US Credit Reporting Agencies
P.O. Box 740256
Atlanta, GA 30374-0256
Trans Union Corporation
P.O. Box 34012
Fullerton, CA 92634-4012
TRW – NCAC
P.O. Box 2106
Allen, TX 75002-2106
cc Credit Rejection Notice Based on Credit Agency ReportCredit Reporting Agency, Request for Report
This review list is provided to inform you about this document in question and assist you in its preparation. You are entitled by law to a free credit report from the agency or agencies used by a creditor that turns you down for credit, as long as you request the report within 30 days of rejection. Therefore, your best response to a turndown is to write immediately to the credit-reporting agency and get a copy of the credit report.
There are three major credit agencies and they are listed on the above letter in a “cc” format so you can send the request to all three at the same time. These agencies change their policies from time to time. On occasion, one or more of them have made it a standard practice to send a consumer a free report if requested no more than once a year. Therefore, you are advised to try for the report for free. If you must pay for it, the charge will be $15 or less.
Credit reporting has become increasingly accurate over the last decade as computer systems have become more powerful and the data entered and updated, more accurate. Nevertheless, you are advised to get a copy of your report so you can dispute any bad credit reports that are false. This approach can only help your situation and in no way damage it.
Note: If you want a report, and were not turned down, simply write or call for a report and ask them to bill your credit card for the charges.