Section 609 Credit Repair Letter

Section 609 of the fair credit reporting act requires credit reporting agencies to disclose information to consumers who request it about what is in their credit reports.

Section 609 credit repair letter.

You want to directly cite and quote section 609 in your letter to the credit bureau reinforcing that it is your right to dispute the items on your report. All section 609 credit dispute letters should be sent certified mail to the credit bureau creditor or collection agency. It is a good idea to retain all documentation from certified mailings correspondence phone calls and notes throughout the entire process. A 609 dispute letter is often billed as a credit repair secret or legal loophole that forces the credit reporting agencies to remove certain negative information from your credit reports.

Fortunately you can challenge inaccurate items with a 609 dispute letter. Templates for 609 letters can be found on the internet often for a fee but there is no need to spend money on such a product. The 609 letter is similar to a debt verification letter you would send to a third party collector when trying to validate the legitimacy of a balance due which is your right under the fair debt collection practices act the 609 letter however is based on section 609 of the fair credit reporting act fcra a federal law that regulates the credit reporting agencies. A 609 letter is a method of requesting the removal of negative information even if it s accurate from your credit report thanks to the legal specifications of section 609 of the fair credit reporting act.

And if you re willing you can spend big bucks on templates for these magical dispute letters. 1 letter to send to 3 cras. Request receipt of delivery.