These are sample letters only. They are designed to help you with formatting your own personal letters pertaining to your own situation(s). NEVER waste your time or any credit bureau’s time with illegitamate claims.


The following is a sample credit report request letter:


February 2, 2004


The Credit Agencies Name

P.O. Box

City, State, Zip Code


To whom it may concern:


Please send me a copy of my current credit file. The following is my current identifying information:


John K. Smith

1111 Perfect Lane

Collection, NY 11234


I have lived at the above address for the last _______ years.

I was born __/__/__ (your date of birth)

My Social Security # is 111-222-3333


Thank You,



Your signature


Print your name



IMPORTANT NOTE: Included along with this letter must be a proof of address. Copy a phone bill, utility bill, billing statement from any major creditor, etc. It must be a copy of something with your name and current address. They will need a copy of the front of your Social Security card.


Send any letter “certified and return receipt mail”. This is available through your local Post Office. Once you have copies of your report, you may continue to the next section: removing negative information from your credit file.


This letter is meant to serve as an example only. The text of your letter should pertain to your personal situation. You should consult an attorney for any legal questions you might have.


We are in the business of obtaining the best possible loan to meet your needs and goals, we are NOT in the credit repair business. You can remove erroneous information from your credit report by following instructions contained in this section of our website, or seek the help of a true professional, NOT a “Credit repairing agency” – that is the worst thing you can do!


This website section has been prepared for general information purposes only. The information in this section is not legal advice. Legal advice is dependent upon the specific circumstances of each individual situation. Laws may vary from state to state. We are not lawyers. We do not offer legal advice. The issues discussed on this site are the expression of the personal experiences of laypersons. Finally, the information contained in this section of the website is not guaranteed to be up to date. Therefore, the information contained in this section cannot replace the advice of competent legal counsel licensed in your state.


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