609 Letter Package
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. 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. Removing these negative items will help to raise your credit score.
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. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. 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 FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 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! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
There are THREE 609 letters These letters are sent to the Credit Bureaus. You start with 609 letter #1…. You send the letter Certified mail, with a copy of your SS card and ID\DL… You can handwrite the entire letter in blue ink or type it and only handwrite the Name of the Account and the Account Numbers (Partial account numbers are fine). Only dispute a maximum of 15 accounts at one time on one letter. 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. Follow the same pattern until you either get the accounts you want removed or you have sent out Letter #5. If after 609 Letter 3 and the Credit Bureaus do not remove the accounts you are disputing, file a complaint with the Better Business or the CFPB. The 609 letters are just a template- please be creative and twerk them to fit your specific situations. There is no magic trick. Just persistence, hard work, and finding out new ways that work!!!
Attorney General Consumer Complaint Google your State Attorney General Consumer Complaint form
State Banking Commission https://www.csbs.org/about/what/pages/directory.aspx (Choose State to get your website to file a complaint)