Credit Reporting Agency_ Request for Report

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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.

Best regards,

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

P.O. Box 2106
Allen, TX 75002-2106

                  cc Credit Rejection Notice Based on Credit Agency Report
                   Credit Reporting Agency, Request for Report
                                          Review List

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.

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