Section 609 Credit Dispute Letter Package Free

Their scare tactics are used in an attempt to scare and intimidate you into dropping your dispute so that they don t have to remove any of the disputed items.

Section 609 credit dispute letter package free.

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. In other words you re on your own. It is a good idea to retain all documentation from certified mailings correspondence phone calls and notes throughout the entire process. According to the provisions of section 612 b 15 usc 1681j b there should be no charge for this information.

That s why many people have taken to writing dispute letters referencing section 609 or hiring a lawyer to help them fight against the credit bureaus. April 05 2017 i ve finally decided to take on the credit reporting industry because they have pissed me off and all the silly ass nonsense rules they have about scoring your credit and the bullshit commercials on tv. The letters dispute the credit reporting agencies right to report the adverse account not whether or not the adverse account is valid. If you follow the simple step by step set of instructions that comes with the section 609 do it yourself credit dispute letter package you ll know exactly how to deal with them and force them to follow the law set by the appellant courts.

Insider tips to help in your dispute. If done right sending a well organized well written 609 dispute letter can get you results where other methods would fail. 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. Fortunately you can challenge inaccurate items with a 609 dispute letter.

And if you re willing you can spend big bucks on templates for these magical dispute letters. All section 609 credit dispute letters should be sent certified mail to the credit bureau creditor or collection agency. The step by step instruction manual that you will receive in the section 609 do it yourself credit dispute letter package will show you how to deal with their scare tactics. 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.

Section 609 of the fair credit reporting act does not care whether the negative account is valid or not.