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According to the law you have the right to ask for your credit report within 60 days of the turn down if you are denied the credit. You should send a copy of the letter to all the bureaus.
Credit Bureau
Credit Bureau address
Date:
Dear Sir/Madam,
I have been recently denied an application for <type of loan>, as I do not have a credit report to validate my credit standings.
In accordance with the FCRA, I have the right to claim a free copy of my credit report.
My personal Info being:
Your name:
Date of birth:
Social Security no:
Current Address:
Former Address:
I am enclosing herewith a copy of the turn down letter, a photocopy of my driving license verifying my present address and a photocopy of my Social Security Card. Please send my credit report at the earliest.
Thank you,
Yours sincerely,
Your Name
Your Address
Enclosure:
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