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If you have been denied credit you have the right to a free copy of your credit report. Below is a sample you can use for any credit reporting agency. If you have not been denied and just want to review your credit file the credit bureaus may charge you $8-12 for a copy. Simply provide your personal data along with the requested fee.

Date
Credit Bureau
Address
City State Zip

Re: Your full name

Dear Credit Bureau:

Enclosed is a copy of the letter I received from (creditor or lender) denying me credit based upon information found in my credit report.

I request that you send me a free copy of my credit report as required by section 612(b) of the Fair Credit Reporting Act.

Sincerely,

Your full name 

Social security number

Give maiden name if applicable

Your current address

Give addresses over past five years, including zip code

Give spouse’s full name and social security number if applicable

Provide copy of your current driver’s license or other photo ID.

Date of birth

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