Other product and company names mentioned herein are the property of their respective owners. If you have physical copies, keep them in a folder in a safe place. What is a 609 letter? The FCRA, however, entitles us to all of the information the credit reporting agencies have in their systems—not information they do not have in their systems. It’s simply a known fact that most people overlook.., until now. A 609 letter is the request you can send to credit bureaus if you wish to exercise any of the rights detailed above. What’s the right strategy? Based on the Fair Debt Collection Practices Act, debt collectors must provide you with a debt validation letter which contains information regarding the debt in question. You want to directly cite and quote Section 609 in your letter to the credit bureau, reinforcing that it is your right to dispute the items on your report. See Attached: [List all attached documentation here, including copies of your credit report, proof of identity, proof of current mailing address, etc. This might just seem like legal jargon to you right now, but, really, it’s a way out of bad credit. Contact information for a legal representative, if you have one, Documents that verify your full name, date of birth, and social security number (copies of your driver’s license, social security card, birth certificate, passport, marriage certificate, a W2 with your full social security number listed, etc. Let’s break it down piece by piece. ], The items I wish to dispute are as follows: [Include as many relevant items as you have, up to 20, including the account name and number as listed on your credit report.]. Illustrate your case. [Insert information from your first letter about disputed items. Make sure you have a copy of each of your credit reports in hand, as you want to dispute all of the negative items on that report, within reason. All it takes is some time and a simple letter, and your ability to live free from the burden of bad credit is well on its way. Section 609 in particular centers on the consumer’s rights to verification of accuracy, requiring the credit agencies and bureaus (TransUnion, Equifax, and Experian) to verify and disclose all relevant information. But it's in section 611 of the statute, rather than in section 609. I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act (FCRA). Section 610 (a) (i) of the FCRA particularly stipulates that consumers must provide “proper identification” in order to receive a response from a credit bureau. When it’s time to mail your dispute letter, send it by certified mail, and request a return receipt for your records (this way, the credit company cannot say that they never received your letter). Experian and the Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates. Make sure you specifically state what you want from the credit company.). Any further comments or questions can be directed to my legal representative, [insert name], who can be reached at [insert phone number]. Before we get into the nitty-gritty, however, we need to take a closer look at Section 609. 609 Letter Template â How to File a Credit Dispute (2020) Best Cash Back Credit Cards for Holiday Spending, Best Credit Cards for Black Friday Shopping. Debt validation letters are designed for consumersâ protection. Section 609 of the Fair Credit Reporting Act (FCRA) states that you must investigate my dispute within 30 calendar days from my initial letter. When writing an official or company letter, presentation design and layout is crucial to earning a good initial impression. And frankly, you could submit your credit report dispute on the back of a beverage napkin and if it's valid, then the information must be corrected or removed. This is how it works Youâre asking the creditors to provide you with details pertaining to how and with whom they verified the information you disputed. Finally, remember that even if you can’t get your credit score improved using this method, all is not lost. Sample Debt Validation Letter (Send via certified mail, return receipt requested) Date: Your Name Your Address Your City, State, Zip Collection Agency Name Collection Agency Address Collection Agency City, State, Zip RE: Account # (Fill in Account Number) To Whom It May Concern: Be advised this is not a refusal to pay, â¦ Each bureau now additionally accepts disputes submitted online. 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