Sample Letter Requesting a Copy of Your Credit Report
The information in your credit report determines in large part what kind of credit, from car loans to credit cards to mortgages, you’ll be able to get. Federal law gives you the right to know what consumer credit information is collected on you and you need to exercise that right.
Check your “Credit Report” periodically to ensure that all the information is correct and to guard against your credit being assumed by identity thieves. You can be very aggressive with your credit management and pull your score with some regularity. Or you can take a more passive approach, checking once a year to see the status of your credit. Regardless of which approach you take, it’s not hard to get a copy of your credit report.
Many people, however, prefer the old-fashioned mail system when it comes to dealing with transmission of personal financial data. If you are more comfortable asking for a copy via a letter, then simply use this form and send a separate letter to each credit reporting agency.
Your Street Address
Your City, State ZIP Code
Credit Bureau Name
Their Street Address
Their City, State ZIP Code
Dear Credit Bureau,
Please send me a copy of my credit report.
Your full name
Your Social Security number
Your current address
Your former address
Enclosed, also please find a photocopy of my driver’s license and utility bill showing my current address, and a photocopy of my Social Security card.
Please send the credit report as soon as you can. Thank you.
Tags: Consumer Credit Information, Credit Bureau, Credit Report, Credit Reporting Agency, Drivers License, Equifax, Experian, Identity Thieves, Personal Financial Data, Requesting a Copy of Your Credit Report, Sample Letter, Social Security Card, TransUnion, Utility Bill