If you have been denied credit or if other adverse actions regarding your credit have been taken based on your credit report, you may want to obtain a copy of your credit report and verify the information contained in it. The purpose of the Request for a Credit Report letter is to assist you in obtaining a copy of your credit report, particularly if you have been denied credit, employment or insurance within the last 60 days. The credit report tells how you have managed credit in the past and companies examine your credit report before deciding whether to give you new credit. You can request a copy of your credit report by sending a letter to a credit reporting bureau. When you receive your credit report you should carefully review it. You have the right to respond to a negative entry on your report, to have errors corrected, or to have your response made part of your credit report. |