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Denied Credit Letter

If you have been denied credit you have a right to know why under the Federal Fair Credit Reporting Act. Below is a sample letter that you can use to request information on why you were denied the issuance of credit.







Credit Denied Letter Writing Advice

  • As soon as possible after you have learned that your credit has been denied you should write a letter requesting why it was not given to you.

  • Your letter should be professional in tone and simply state you would like to find out why your credit was denied under the Federal Fair Credit Reporting Act.

  • Specifically you want to request if there is any negative information that was obtained that is not correct.

  • End on a positive note so if there was a mistake made you will still have a sound business relationship.






Denied Credit Letter


[Your Name]
[Company Name]
[Address]
[City, State, Zip]

[Date of Letter]

[Recipient's Name]
[Title]
[Company Name]
[Address]
[City, State, Zip]


Dear [Recipient's name],

I recently learned that I was denied credit on [Date] for the following business transaction:



Under the Federal Fair Credit Reporting Act, I am requesting that full disclosure be given for the reasons that I was not given credit for the above mentioned transaction. Specifically, I would like to request information regarding any negative credit information that you may have received from any source, including, but not limited to, the various reporting agencies.

Thank you for your cooperation in this matter.

Best regards,


[Sign here]

[Your Name, Title]











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