Section 609 Credit Dispute Letter Package

And if you re willing you can spend big bucks on templates for these magical dispute letters.

Section 609 credit dispute letter package.

Section 609 of the fair credit reporting act doesn t actually have anything to do with your right to dispute information on. 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. Section 609 of the fair credit reporting act does not care whether the negative account is valid or not. The letters dispute the credit reporting agencies right to report the adverse account not whether or not the adverse account is valid.

Anyone can dispute information in their credit report and it actually is section 611 of the fair credit reporting act that affirms this right. Unfortunately 609 letters are not the magic bullet many online articles make them out to be. In other words you re on your own. The letter disputes the cra s right to report the adverse account not whether or not the adverse account is valid.

Sample letters and templates. In fact in terms of the fcra a 609 credit dispute letter isn t a real thing. 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. If done right sending a well organized well written 609 dispute letter can get you results where other methods would fail.

What is a 609 dispute letter. According to the provisions of section 612 b 15 usc 1681j b there should be no charge for this information. 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. 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.

Section 609 15 usc 1681g of the fair credit reporting act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. 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.