When to use Letter to Request a Credit Report
Financial experts recommend that individuals regularly request copies of their credit reports from all three major credit reporting agencies. Nowadays, it is so easy for personal data to be hacked, stolen and compromised in other ways that it is critically important to review your personal credit report ever so often. That way, you can spot any unauthorized activity and respond to it before the situation escalates. Your credit history determines your credit score. Your credit score determines whether you are able to secure financing, housing and even some forms of employment. It is therefore important to regularly review your credit history and to correct any mistakes promptly. Please note that you can make this request at any time.
If you need to request a credit report from one or each of the three major credit reporting agencies, you can use this form to accomplish that goal. In general, it is a good idea to request copies of your credit report from all three major agencies fairly regularly and at the same time. That way, you can compare the information contained within each. You may not notice a discrepancy until you have determined that one report has more charges and/or accounts on it than the others do. Once this form is completed, you may wish to keep a copy for your records so that you don’t have to fill it out again from scratch the next time you request an updated report. Similarly, you may benefit from keeping a copy of your credit report in your files so that you can compare any changes that appear on future statements.
Credit Report Request Form
Letter to Request Credit History
Credit History Request Form