Request for Credit Report


Overview
The Request for Credit Report is a letter used by an individual to request a copy of his or her credit report from a national or local credit bureau.
Credit bureaus gather credit related information from a variety of sources and then sell that information to their customers.  Employers, retailers, credit card issuers, insurance companies, banks and utilities all use credit bureaus to gather information on your credit history.
The information contained in an individual's credit report is often out of date or simply incorrect.  
A faulty credit report can lead to many problems, such as loss of a job opportunity, denial of credit or delays or problems in securing insurance or utility services.

When You Need It
-To periodically confirm the correctness of the information contained in your report.
-To determine why you have been denied credit, or had some other adverse credit decision rendered against you, including unusually high interest rates. 

Getting Started

You will need:
-The name and address of the request recipient.
-The name and address, social security number, and date of birth of the individual making the request.
-The amount of money enclosed to pay for the report, if required.

When to Review and Revise 
-To correct the information contained in the request.
-To document a request to another credit reporting agency. 

-More information is available regarding this document by clicking here.