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Credit Card Protection

So often community members have asked for a letter example to accomplish some purpose. This then is a sample format I have written myself or obtained from others on my Forum. Feel free to copy, paste, and alter to fit your needs.

Your credit file may be different from each of the three national credit agencies. Since each may have varying entries, it is wisest to access all three or to get a joint report from companies which offer this device. If you plan to get just one report, check with local merchants to find out which bureau handles the majority of businesses. At least in this way, your report will represent a majority of potential creditors.

If you have been turned down for credit recently, you are entitled to a free copy of your report. If not, you can obtain one whenever you want for a small fee.

Request A Credit Report


From: (Your Name)

TO:Credit Reporting Agency


City, State, Zip Code

Subject: Request Credit Report

Please send a copy of my (our joint) personal credit file. I was (we were) denied credit by (company name) within the last 60-days and understand the report will be sent without cost. (Or- Enclosed, you will find $8.00 per report.)

Full Name: _____________________________________

Phone Number: ___________________________________

Current Address:________________________________

Previous Addresses (last 5 years):______________


Spouses Full Name:______________________________

Your birth date:__________ Spouse's birth_____________

Your SSN#________________ Spouse's SSN#___________________

Enclosed is a copy of my (our) driver's license (military ID, utility bill, or other proof of identification.)



Your Name