How to Write a Letter to Request a Copy of Your Credit Report

A credit report is a record of your credit history. It tells potential creditors, landlords and sometimes employers how you pay your debt obligations. There are three major credit bureaus --- Equifax, Experian and TransUnion --- that handle the majority of credit-reporting activities. You can request a copy of your report by mail, but you must provide certain information in your request letter so the credit bureau can positively identify you as the person named on the report.

Instructions

1. Write the date at the top-left side of the paper. Write the name and address of the credit bureau you are requesting a credit report from. Address the letter "To whom it may concern" or "Dear Sir or Madam."

2. State your desire to receive a copy of your credit report and the reason for your request. Include credit denial information, such as the date of denial and the creditor name, if you are requesting a free report because you were denied credit. Note that you are entitled to one free report per year if you are requesting your annual report.

3. List your full name, date of birth, Social Security number, current address and phone number. Include your previous address if you have recently moved.

4. Sign your name at the bottom of the letter. Include payment for the report in the form of a check or money order if you do not qualify for a free report.

References

• Bankrate: Requesting a Credit Report
• State of Wisconsin Department of Financial Institutions: Sample Letter to Request a Credit Report