 TITLE: What Is an Adverse Action Letter? CONTENT: What Is Included in an Adverse Action Letter?\n---------------------------------------------\nAccording to federal law, an adverse action notice can be made orally, electronically or in writing. In many cases, you can expect to receive a letter in the mail within seven to 10 business days of the denial.\nRegardless of how the company provides the notice, however, it's required to include the following information:\n*   Your credit score, if it was used to make the decision, along with the date the score was created and the range of possible credit scores based on the model used to generate your score.\n*   The name, address and phone number of the credit reporting agency (Experian, TransUnion or Equifax) that supplied the credit report used in the decision.\n*   Reasons for the denial (there can be up to five).\n*   Notice of your right to a free copy of your credit report within 60 days of the credit bureau, and how to get that copy.\n*   Notice of your right to dispute the accuracy or completeness of any information provided by the credit reporting agency.\nWith this information, you'll have an understanding of not only where your credit history stands, but also which areas of your credit file that need to be addressed. END