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Self-Serve Requests and Letters

Do you have everything you need for your case? It is important that you have all the papers filled out that you will need for your case. If you forget even one, it could mean your case is delayed or even dropped.

FTC ANNUAL CREDIT REPORT REQUEST FORM

You are entitled to receive a free copy of your credit report every year.
While you can order reports from a single address using this FTC model form, many requests are rejected due to address discrepancies. You will likely have more success obtaining your reports using these credit report request letters below.

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CREDIT REPORT REQUEST LETTERS

You have the right to order your report directly from credit reporting agencies.
Use these letters to order your credit report directly from the big four credit reporting agencies. Be sure to include copies of the identification documents identified in the letters.

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BACKGROUND CHECK REQUEST LETTERS

Find out what is in your background check before you apply for a job.
This document contains numerous report requests for you to look at and use.

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EMPLOYMENT FILE REQUEST LETTER

The Bullard Plawecki Employee Right to Know Act entitles you to a copy of your employment record.
Use this document to request a copy of your employment file from your employer or prospective employer.

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YOUR TELEPHONE LOG

Use this form to document the times of all calls you have received from those that are harassing you.
This PDF provides the instructions and room to record unwanted calls.

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OPT OUT OF PRESCREENED OFFERS WITH THE CREDIT BUREAUS

Use this form to keep the credit bureaus from selling your personal data for marketing purposes.
This MS-Word document will invoke your right under the FCRA to keep the credit bureaus from selling your personal information for marketing of prescreened offers. Using this will reduce the amount of junk mail you receive.

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ASK FOR A REASONS WHY YOU WERE DENIED CREDIT

Use this form to request a statement of reasons why you were denied credit from a lender, bank or finance company.
This MS-Word document will invoke your right under the Equal Credit Opportunity Act to obtain a statement of reasons why you were denied credit after a credit application. Using this form will help you understand how your credit report has impacted your ability to get credit.

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CREDIT REPORT SECURITY FREEZE LETTERS

You have the right to limit access to your credit file to block identity theft.
Use these letters to request that the credit bureaus freeze your credit file and keep companies from accessing it without your permission.

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CREDIT DENIAL REASON LETTER

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SECURITY FREEZE LETTERS FOR MINOR CHILD

You have the right to limit access to your minor child's credit profile.
Use these letters to request that the credit bureaus freeze your child's file and keep companies from accessing it without your permission.

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CREDIT ERROR WORKSHEET

Use this form to track errors in your credit reports.
This MS-Word Document provides a quick tracking worksheet to use when identifying errors in multiple credit reports. You should prepare a separate form for each credit report that you have.

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Videos

AUTO FINANCE FRAUD
In this important educational series, Michigan consumer law attorney Ian Lyngklip of Lyngklip & Associates discusses important considerations regarding Automobile Finance Fraud.

CREDIT ERRORS
In this important educational series, Michigan consumer law attorney Ian Lyngklip of Lyngklip & Associates discusses important considerations regarding Credit Errors.

BACKGROUND CHECKS
In this important educational series, Michigan consumer law attorney Ian Lyngklip of Lyngklip & Associates discusses important considerations regarding Background Checks.

ROBO CALLS & AUTO-DIALERS
In this important educational series, Michigan consumer law attorney Ian Lyngklip of Lyngklip & Associates discusses important considerations regarding Robo Calls and Auto-Dialers.

DEBT COLLECTION
In this important, five-part series, The National Association of Consumer Advocates discusses what to take into consideration in regards to Debt Collection.

    “BUT WHAT IF I DON’T THINK I HAVE A CASE?”

    Many people think that they don’t have a case. We can help you find out if you have one. By answering a few simple questions, our attorneys can get you pointed in the right direction.

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