Requesting a credit report after credit denial

As per the laws, if you're denied credit, you have the right to ask for a credit report from the bureaus within a period of 60 days of the denial. This is when you need to use a Request letter for credit report after credit denial. A sample format of such a letter is given below.

  • The Letter
Your Name
Your Address
Your Phone #

Credit Bureau's Name
Credit Bureau's Address


Dear Sir/Madam,

I have been recently denied an application for
, and as I do not have a credit report to validate my credit profile, I am requesting a copy. In accordance with the FCRA, I have the right to request a free copy of my credit report. My personal details are given below:

My Full Name:

My Birth Date:

My Social Security Number:

My Current address:

My Former address:

I am enclosing a copy of the credit denial letter, a photocopy of my driver's license as proof of my current address, and a copy of my Social Security Card. Please send me a copy of my credit report as soon as possible.

Your Signature 

Your Name      

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