Dear …

RE: __(Full Name & Address & Date of Birth/etc.)__ __(Reference #)__

Recently, I have been declined credit due to a bad credit rating assessment furnished by your __(agency/organization/company)__. This is surprising to me because, according to my records, there should not be a negative credit rating at all. Since __(year)__, I have honored every credit obligation I have entered into. I’ve made all my payments without any delay and, therefore, my credit rating should be spotless.

Please provide me with the full credit history details that you have on record for me with which you have based this negative credit rating on. Thank you for your attention to this matter. I look forward to hearing from you soon.

Yours truly,