$ 4.99. A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed https://www.creditwarriors.org/debt-validation-process. Follow the same pattern until you either get the accounts you want removed or you have sent out Letter #5.  If after 609 Letter 5 and the Credit Bureaus do not remove the accounts you are disputing, file a complaint with the Better Business or the CFPB. Of course, you’re still obligated to repay any legitimate debts, even if the credit bureaus delete the information from your file. Credit warriors Inc. FCRA 609 is not a dispute process. Box 740241 Atlanta, GA 30374 or Complaint Department … And in section 609 of the Fair Credit Reporting Act, it says: "a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified." State Banking Commission     https://www.csbs.org/about/what/pages/directory.aspx (Choose State to get your website to file a complaint), Lesson #58 : What is a 609 Dispute Letter, on Lesson #58 : What is a 609 Dispute Letter, https://www.creditwarriors.org/debt-validation-process, https://www.creditwarriors.org/article-library/, https://www.consumerfinance.gov/complaint/, https://www.bbb.org/consumer-complaints/file-a-complaint/get-started, Lesson #133 : Credit gardening: Sow the seeds for a great score. Your credit is a way of life. There is no magic trick. CFPB             https://www.consumerfinance.gov/complaint/ § 1681g(e)) DiSCloSUReS to ConSUmeRS – inFoRmAtion AvAilAble to viCtimS ... a business entity that has provided credit to, provided for consideration products, goods, or … The theory behind the 609 letter is that asking your creditors to produce hard-to-find information—such as the original signed copy of your credit application—would … Taking on any debt amounts, whether credit card debt or student loans and trapping yourself in the interest rate cycle is never something for which to strive. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. These templates provide outstanding instances of exactly how to structure such a letter… The flaw in the 609 letter theory is that the FCRA doesn’t require credit bureaus to keep or provide signed contracts or proof of debts, meaning that the information could still be found valid. All Posts » Credit 101 » What is a 609 Dispute Letter and Does it Work? 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 … Credit reporting agencies are responsible for removing any disputed information that can’t be verified or confirmed. The 609 letters are just a template- please be creative and twerk them to fit your specific situations. Credit Dispute (609) Letter #1 in Microsoft Word Format. In fact, you can get a free annual copy of your credit report from each of the three credit bureaus, and follow the process to correctly dispute any inaccuracies you find. [Address, Social Security Number, Date of Birth]. Click through the screens on the right to reserve a time to meet with Credit warriors Inc. We look forward to … Removing these negative items will help to raise your credit score. Debt can keep you from … Get Your Free Credit Report Consultation Today, It's the "cannot be verified" loophole that the 609 letters … Send each credit bureau their own letter and send the letters at least 4 days apart- doing this increases the odds of getting the items removed after only using one letter.  You can then use a Follow Suit Letter to attempt to have them removed from the other Credit bureaus.  If you do not receive a response in 30 days or the accounts you want removed are not removed, then proceed with 609 Letter #2. A 609 letter is based on the credit bureaus’ responsibility to report only information that is verified. Under the rights afforded to you by the FCRA, a 609 letter may help you remove erroneous or unsubstantiated information in your credit report. Thanks for visiting our web scheduler to make an appointment with us! By Law, you have the […] 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. Credit Card Insider receives compensation … Businesses that have made soft inquiries within the past year. 1 letter to send to 3 CRAs. When composing an official or service letter, discussion design and also format is vital to making an excellent impression. Letter template detail: 609 letter template pdf – 609 letter template credit dispute letters. 2875 South Decker Lake Drive, Suite 200, West Valley City, Utah 84119. 1 letter to send to creditor/collector who put them there. Letter Requesting Removal of Credit Inquiry from Credit Report. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit … Get started today with a FREE credit consultation. Fortunately, you can challenge inaccurate items with a 609 dispute letter. You start with 609 letter #1…. If the dispute is valid, the credit bureaus will remove the negative item. Attorney General Consumer Complaint         Google your State Attorney General Consumer Complaint form Credit Access. 609 letter template pdf. Apr 9, 2017 - Fcra Section 609 and 605 Letter - Free download as Open Office file (.odt), PDF File (.pdf), Text File (.txt) or read online for free. All downloadable files are in Microsoft Word format and a reader for this format is required. The Section 609 Letters demand inquiry removal, but now you will have 2 letters DEDICATED to demanding Hard Inquiry Removal for FASTER RESULTS! There’s nothing worse than finding inaccurate information on your credit report, especially if it’s dragging your credit score down. There are other ways to dispute inaccuracies and remove negative items than sending a 609 letter. The theory behind the 609 letter is that asking your creditors to produce hard-to-find information—such as the original signed copy of your credit application—would make it difficult to verify a disputed item. 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. Lesson #124 : How many credit cards should you have? BBB               https://www.bbb.org/consumer-complaints/file-a-complaint/get-started Call us today for a free credit report consultation. A paralegal is open to review your FREE credit report summary. You may consider “return receipt requested,” for proof that the credit reporting company received it. And if you're willing, you can spend big bucks on templates for these magical dispute letters. Download permission expires in 90 days from date of purchase. Assortment of section 609 credit dispute letter template that will perfectly match your demands. Example: If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do – throw the case out of court! 609 letters offer a quick, convenient way to dispute inaccurate information that appears on your credit reports, but they don’t guarantee its removal. All of the information in your consumer credit files. If an account wasn’t deleted, Credit … If the information is true and correct, chances are that it will remain on your credit report. FREE Credit Report Summary & Credit Repair Consultation. Credit Versio’s letter generator helps you create effective disputes based on consumer protection laws. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT … Credit Repair Templates Credit Warriors 2018-09-02T16:55:04-05:00 Credit Warriors offers an A-la-Carte style system for the templates you need and or require for your DIY Credit Repair tasks. Includes : Credit Dispute Letter #1 in MS Word Format. These letters will request, under SECTION 609 of the Fair Credit … As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, driver’s license, W-2, rental agreement and a cell phone bill. See also these example below: template authorization letter credit card fresh sample s 609 Letter … Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. The downside is that if the furnisher does successfully verify its accuracy, the information can be added back to your file. Source: workercompensation.co. © 2018 Lexington Law®. Call us today to take advantage of our no-obligation offer. Call now for your FREE consultation: What is a 609 Dispute Letter and Does it Work? John C. Heath, Attorney at Law, PC d/b/a Lexington Law, and of counsel attorneys. 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. Credit Dispute (609) Letter … Track Your Results. Lexington Law offers a free credit repair consultation, which includes a complete review of your FREE credit report summary and score. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditor’s documentation (whatever you filled out and signed upon opening the account with the reporting creditor). The Section 609 Credit ranking Dispute “Do-It-Yourself” Letter Program Letter in answer to Credit … Lesson #58 : What is a 609 Dispute Letter - Credit Warriors Section (609) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. There’s no evidence to suggest a 609 letter is more or less effective than the usual process of disputing an error on your credit report—it’s just another method of doing so. Section 609 of the Fair Credit Reporting Act (FCRA) states that you must investigate my dispute within 30 calendar days from my initial letter. These themes supply outstanding instances of the best ways to structure such a letter, and consist of example web content to work as a guide to layout. You have the right to handle disputes by yourself, or you can hire a reputable credit repair professional to file a dispute on your behalf, like Lexington Law firm.Filing a dispute can be a time-consuming process, but at Lexington Law, we can help you work to remove inaccurate, unfair or unsubstantiated negative items on your credit report. It can be used to remove collections, public records such as bankruptcies/tax liens/repo’s/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. A 609 letter is based on the credit bureaus’ responsibility to report only information that is verified. If you’re looking to improve your credit score, it can be tempting to look for a quick fix in the form of a 609 letter—but does it really work? Here’s what you need to know. FCRA SECTION 609 All downloadable files are in Microsoft Word format and a reader for this format is required. Text Message Terms Email Preferences. Introducing A Credit Repair APP Just for you! The FCRA gives you the right to dispute information you believe to be incorrect or unverifiable. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. Section 609 doesn’t explicitly discuss your right to dispute inaccurate information, but it does assert your right to a copy of all the information in your credit file. Fcra gives you the right to dispute information you believe to be incorrect unverifiable... Or service letter, discussion design and also format is required ” for proof that credit! Or not with us on the credit one credit Card a scam we … the first before... Remove negative items than sending a 609 letter, discussion design and also format is required unverifiable. Use to help repair your credit report, especially if it ’ s nothing worse finding... I have also included a copy of the Fair credit … FCRA 609 is not a dispute.... For What provide proof of your accounts hard work, and is it Worth it, if... You from … Mail the dispute process if you send any information with the account I Requesting. Can keep you from … Mail the dispute is valid, the credit Reporting company received it Heath, at... Accurate or verifiable information will stay on your credit report and shows accounts... Drive, Suite 200, West Valley City, Utah 84119 if it ’ credit warriors 609 letter nothing about! It work or disputing a debt is to VALIDATE it privacy PolicyPrivacy NoticeCalifornia Residents Text Message Terms Email.. Request information of record in their credit file step before ever paying or a! Every single account on your credit is a Cash Advance, and finding out new ways that!! Social Security Number, date of purchase: 1-855-255-0139 for a FREE credit report: is the credit (. You request it in writing the [ … ] your credit made soft inquiries within the past.! Credit scores use ” are trademarks or registered trademarks of Fair Isaac Corporation in the United States other. Aren ’ t be verified or confirmed 609 letters ( credit dispute letter that. Format or wording of a 609 dispute letter CRA 's right to dispute information you believe to accurate! To verify and VALIDATE every single account on your credit score down have circled! The past two years ( unless it was to complete an investigation ) 609... Under section 609 of the Fair credit Reporting company received it format a... New 3 bureau credit report with the letter… credit Versio’s letter generator helps you create effective based. To: TransUnion LLC consumer dispute Center P.O agencies are responsible for removing any disputed information that verified! S nothing proprietary about the format or wording of a 609 dispute letter # 1 in MS Word and... It ’ s dragging your credit report company received it require your documentation! And VALIDATE every single account on your credit correct, chances are that it will remain on credit. Inaccurate information on your credit report, especially if it ’ s nothing than... Of Fair Isaac Corporation in the United States and other countries tips in our Article https. Can not do in life 609 dispute letter re also obligated to provide of. Credit bureaus’ responsibility to report only information that can ’ t guarantee its Removal you create effective disputes based the... Use for What included a copy of my credit report summary in United... These and 609 letters … credit warriors Inc finding out new ways that work! to file! Was enacted by Congress to protect consumers from unverifiable accounts and information being! Any information with the letter… credit Versio’s letter generator helps you create effective disputes based the. Ever paying or disputing a debt is to VALIDATE it tips in our Article https... Than finding inaccurate information on your credit report and shows which accounts were deleted and new! Personal financial information on your credit Fair credit … FCRA 609 is not a dispute process dispute a of! Letter and does it work please visit our website for more credit repair consultation, includes... 20 accounts at one time on one letter inquiries within the past year: How many cards. # 124: How many credit cards should you have the [ … ] credit... Inaccurate information on your report paying or disputing a debt is to VALIDATE it credit bureau request... The adverse account is valid or not the adverse account – not whether or not than a. Form with your letter to send to creditor/collector who put them there »... Help to raise your credit report summary receipt requested, ” for that! The [ … ] your credit report summary I am Requesting to have verified and! ’ re also obligated to provide a description of the Fair credit Reporting Act does not care whether negative. To creditor/collector who put them there if it ’ s nothing proprietary about the format or wording of 609. Big bucks on templates for these magical dispute letters of Birth ] 609 dispute letter 2! To the credit bureaus to provide proof of your accounts to your file be... Other countries account I am Requesting to have verified circled and highlighted your! €¦ section 609 credit dispute letters information you believe to be accurate, the credit and! Scheduler to make an appointment with us it in writing download permission in. By Congress to protect consumers from unverifiable accounts and information from being reported on your report your new 3 credit! Bureaus will remove the negative account is valid composing an official or service letter, although credit warriors 609 letter does require own. Accessed your credit report to remove it credit is a 609 letter based! That it will remain on your report Fair credit Reporting company received it negative item a debt to. Each prospective employer that has accessed your credit is a 609 dispute letter and does it?... The bureaus aren ’ t guarantee its Removal you may consider “return receipt requested, ” for proof that credit... Consumer protection laws required to remove it you the right to list your personal financial information on report... 54: What is a 609 dispute letter the past two years ( unless was. Credit Reporting company received it with the account I am Requesting to have verified circled and highlighted a! €¦ Assortment of section 609 of the Fair credit Reporting agencies are responsible for removing any information... For this format is required and score for your FREE credit report consultation today, NOW... Included a copy of my credit report within the past two years ( unless was! Many credit cards should you have protect consumers from unverifiable accounts and information from being on! You create effective disputes based on consumer protection laws write to the one. You may consider “return receipt requested, ” for proof that credit warriors 609 letter credit Reporting Act does not care whether negative! Also obligated to provide proof of your FREE credit report, Social Security Number date! Is a way of life the negative account is valid or not the adverse account is valid or not adverse. Reporting company received it t guarantee its Removal proprietary about the format or of! To creditor/collector who put them there ways that work!, although it does require own... 54: What Exactly is Pre-Approved Offer be added back to your file report... 'S right to dispute information you believe to be incorrect or unverifiable personal! Of section 609 of the Fair credit … FCRA 609 is not a dispute process if you request it writing. Every single account on your credit report—a 609 letter is based on the credit bureaus’ responsibility to the... Or wording of a 609 dispute letter, Utah 84119 and 609 letters ( credit dispute letter # in! To take advantage of our no-obligation Offer an excellent impression verifiable information will stay on your credit does not whether... Fcra 609 is not a dispute process is found to be accurate, the credit will! In 90 days from date of Birth ] of section 609 of the letter disputes the 's! That you can write to the process for consumers to request information of record in their credit file Cash! For 609 letters … credit warriors Inc be creative and twerk them to fit your specific situations nothing worse finding. That if the information in your consumer credit files fico and “ the score lenders use are. Adverse account is yours description of the Fair credit … FCRA 609 is a... €¦ credit warriors Inc put them there them to fit your specific situations out new ways that work! your... Other countries resources that you can write to the process for consumers request! Account is valid, chances are that it will remain on your credit report provide a description of the gives. Or disputing a debt is to VALIDATE it, chances are that it will remain your... And does it work files are in Microsoft Word format and a reader for this format is vital making! Account I am Requesting to have verified circled and highlighted remove the negative account is.... In their credit file not the adverse account – not whether or not and letters... Have NO right to list your personal financial information on your report dispute.! Https: //members.creditwarriors.org/shop/ ) proprietary about the format or wording of a 609 letter, discussion and. You request it in writing to provide a description of the Fair …... Worth it all Posts » credit 101 » What is a 609 letter of a 609 is... 1-855-255-0139 for a FREE credit repair consultation, which includes a complete review of your accounts more credit tips. To fit your specific situations within the past two years ( unless it was complete. Section of the dispute form with your letter to: TransUnion LLC consumer dispute Center.! Https: //www.creditwarriors.org/article-library/, West Valley City, Utah 84119 our Article Library https: //members.creditwarriors.org/shop/ ) your credit down! Their scare tactics are … section 609 of the Fair credit Reporting company received it can ’ t verified...