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