Section 609 Credit Repair Sample Letters

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

Section 609 credit repair sample letters.

These are just the highlights commonly used in the 609 credit repair strategy. 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. It is a good idea to retain all documentation from certified mailings correspondence phone calls and notes throughout the entire process. Of course section 609 goes on to cover disclosures and about ten pages worth of other requirements and instructions for the credit reporting agencies to follow.

Insert information from your first letter about disputed items. All section 609 credit dispute letters should be sent certified mail to the credit bureau creditor or collection agency. 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. 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.