According to the law you have the right to ask for your credit report within 60 days of the turn down if you are denied the credit. You should send a copy of the letter to all the bureaus.

Credit Bureau

Credit Bureau address

Date:

Dear Sir/Madam,

I have been recently denied an application for <type of loan>, as I do not have a credit report to validate my credit standings.

In accordance with the FCRA, I have the right to claim a free copy of my credit report.

My personal Info being:

Your name:

Date of birth:

Social Security no:

Current Address:

Former Address:

I am enclosing herewith a copy of the turn down letter, a photocopy of my driving license verifying my present address and a photocopy of my Social Security Card. Please send my credit report at the earliest.

Thank you,

Yours sincerely,

Your Name

Your Address

Enclosure: