Section 609 Credit Dispute Letter

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

Section 609 credit dispute letter.

Fortunately you can challenge inaccurate items with a 609 dispute letter. The letters dispute the credit reporting agencies right to report the adverse account not whether or not the adverse account is valid. 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. 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.

As you have failed to do so i kindly request that you remove the aforementioned items from my credit report. And if you re willing you can spend big bucks on templates for these magical dispute letters. There are five 609 letters credit dispute letters found. 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.