This letter should be used to request a copy of your credit report ONLY if you have been denied credit in the last 60 days.
To Whom It May Concern:
RE: REQUEST FOR FREE CREDIT REPORT after Credit Denial
My credit application was recently denied, and according to the enclosed copy of the letter that I received less than sixty days ago from the company that denied credit to me, your credit bureau issued the report that was used to determine my credit evaluation.
Section 609 [15 USC 1681g ] of the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 (b) [15 USC 1681j (b)], there should be no charge for this information.
Please send my credit report to the address below. The enclosed copy of the letter details additional information identifying my account.
If you have any questions or need additional information, please contact me at address noted below.
Last four of your SSN#_____________________________
Sincerely,