[Sample] Credit Report Request Letters

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Learn how to draft a letter requesting a credit report. Use our sample credit report request letters as a starting point for your own.

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Sample 1 – Credit Report request letter


Trans Union Credit Bureau
PO Box 2000
Chester, PA 19022

To Whom It May Concern:

Under the Fair Credit Reporting Act, I understand that I have the right to get a copy of my credit report once a year. I have cause to believe that some information in my report is incorrect, and I’d like to double-check this.

Jim Wyle Chevrolet has also denied me credit on DATE. To the best of my knowledge, nothing should have prevented me from obtaining a new vehicle. I need to double-check my report to make sure the information is correct.

I understand that proof of my identification will be required by your company. My social security number is 298-76-5498, and my present residence is 120 Stewart Rd. in Columbus, Ohio.

I have also attached a copy of my driver’s license which has my current address and social security number clearly printed on it. I would appreciate your prompt attention on this matter.


Jeff Thompson
(614) 856-9087

Sample 2 – Credit Report Request Letter

Name of Consumer
Address of Consumer
City, State, Zip Code


Name of Credit Bureau
Address of Credit Bureau
City, State, Zip Code

To Whom It May Concern:

This letter is to request a copy of my credit report. According to the Fair Credit Reporting Act (FCRA), I have the right to a free copy of my credit report every year. 

I’d like to review my report since I believe it contains inaccuracies that have impacted my ability to purchase a new vehicle. Because of my poor credit history, NAME OF CAR DEALERSHIP denied me credit on DATE. 

My credit rating, as far as I know, should be excellent. My social security number, 123-45-6789, and a copy of my current driver’s license are included to establish my identity.

My current address is as above, and my previous address is ADDRESS. I can be reached at 555-123-4567 or at Name@email.com. Thank you for your prompt attention to this matter.


Signature of Consumer
Name of Consumer Printed
List of enclosures