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Request Free Credit Report (View Letter)

Use this letter ONLY if you've used your FREE Annual Report quota, but because of other qualifying criteria (see below) you still qualify for free credit reports.

The new Fair and Accurate Credit Transactions Act of 2003 (FACTA) requires the three national credit reporting agencies (CRAs) to provide a free copy of your credit report once per year, upon request. Go to the FTC's Website on Credit and locate the image "Free Annual Credit Reports (look on the right side of the page). The link takes you to the annualcredit report.com website where you can request your free report.

Qualifying Criteria: If you have used your free credit report quotas but still need copies, you may still be able to obtain free copies of your personal credit reports, if you meet one or more of these criteria:

  1. You're receiving public welfare assistance;
  2. Your credit file contains inaccurate information due to fraud;
  3. You've been denied credit or insurance within past 60 days; or
  4. You're unemployed and intend to apply for employment within 60 days;

Use the free sample credit report request letter below to compose your own letter to send to the CRAs requesting a free copy of your personal consumer credit report.

You are welcome to copy and paste any of the free sample letters displayed throughout this site. If you'd like an electronic copy of any letter, simply submit the FREE Request Form and I'll send you a copy absolutely FREE!

Get all letters in one convenient package here.

Sample Letter for Requesting Free Credit Reports

Today's Date

Full Name
Current Address
Current Phone Number

Name and Address National Credit Bureaus Contact Information
of National Credit Bureau

Dear Credit Bureau,

I am requesting a free copy of my credit report from your organization in accordance with the Fair Credit Reporting Act, Section 1681j (b) and (c). My qualifying reason(s) is/are (insert one or more of the qualifying reasons from above)

For example: On {insert date here} I was refused credit by {name of creditor}. I've enclosed a copy of the creditor's refusal letter.

Please use the following personal information to locate and forward the report to me:

Full Legal Name: {insert your full name}

Birthday: {insert your birth date in this format mm/dd/yyyy

Social Security Number: {insert your 9-digit number}

Current Address: {insert your complete address}

Former Address: {insert previous addresses if you have moved more than once in the last five years)

I've also enclosed copies of my driver's license, {or utility bill} showing my current address, and a photocopy of my Social Security card. Please do not share my information with any other agency. I look forward to your speedy reply and if you have any questions concerning this request I can be reached at {insert daytime phone number and area code). Thank you.

Sincerely,

Signature
Your Printed Name

 Fair Credit Reporting Act, Section 1681j (b) and (c)

(b) Free disclosure after adverse notice to consumer:
Each consumer reporting agency that maintains a file on a consumer shall make all disclosures pursuant to section 1681gof this title without charge to the consumer if, not later than 60 days after receipt by such consumer of a notification pursuant to section 1681m of this title, or of a notification from a debt collection agency affiliated with that consumer reporting agency stating that the consumer's credit rating may be or has been adversely affected, the consumer makes a request under section 1681g of this title.

(c) Free disclosure under certain other circumstances :
Upon the request of the consumer, a consumer reporting agency shall make all disclosures pursuant to section 1681g of this title once during any 12-month period without charge to that consumer if the consumer certifies in writing that the consumer:

(1) is unemployed and intends to apply for employment in the 60-day period beginning on the date on which the certification is made;

(2) is a recipient of public welfare assistance; or

(3) has reason to believe that the file on the consumer at the agency contains inaccurate information due to fraud.

Back to Credit Report Dispute Index