Request Free Credit Report

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 *Get Your Free Credit 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 credit reports, if you meet one or more of these criteria:

You’re receiving public welfare assistance;

Your credit file contains inaccurate information due to fraud;

You’ve been denied credit or insurance within past 60 days; or

You’re unemployed and intend to apply for employment within 60 days;

Use the free sample letter below to compose your letter to send to the CRAs requesting a free copy of your 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, submit the FREE Request Form 

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Sample Letter for Requesting Free Credit Reports

Today’s Date

Full Name
Current Address
Current Phone Number

Name and Address  
of National Credit Bureau

Dear Credit Bureau,

I am requesting a free copy of my credit report from your organization per 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 below)

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/yy

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, you can reach me at {insert daytime phone number and area code).  Thank you.



Your Printed Name

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

(b) Free disclosure after adverse notice to the 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 requests section 1681g of this title.

(c) Free disclosure under certain other circumstances:

Upon the consumer’s request, 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 days 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.