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Credit Action (Adverse)
CREDIT ACTION-ADVERSE-TO FIND THE REASON FOR DENIAL
[Date]
[First Name of recipient] [Last Name of recipient]
[Company Name of recipient]
[Street Address of recipient]
[State of recipient] [Zip Code of recipient]
Dear [Mr./Mrs. recipient] [Last Name of recipient]:
On [Date of notification], I was notified that my application for credit dated [Date of application] was denied based upon information received by you from a source other than a consumer credit reporting agency. Pursuant to my rights under the Fair Credit Reporting Act, Title 15, USC, Sec., 1681m(b), I hereby request that the nature of the information received by you be disclosed to me.
Please forward such information to me at the above address.
Thank you for your prompt attention to this matter.
Sincerely,
[signature / title]