How to request your credit file from the credit bureaus

If you'd like to request your credit file from any of the credit bureaus, you need to send them a request letter to provide you with one. Here's a sample format of such a letter.

The Letter

Your Name

Your Address

Your Phone #

Credit Bureau's Name:

Credit Bureau's Address:


Dear Sir/Madam,

I would like to formally request a copy of my most recent credit report from you. The FCRA requires that upon request, a credit bureau should furnish an individual with a copy of his credit file after validating the requestor's identity. The documents that verify my identity are attached.

Please send me a copy of my credit file as soon as possible.


Your Signature

Your Name