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: ___________________________________
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.)