609 Dispute Letter Pdf. Be sure to visit our: All disputes must be addressed within 30 days, or all disputed information must be deleted from the files.
Fortunately, you can challenge inaccurate items with a 609 dispute letter. Keep a copy of the letter for your records. All section 609 credit dispute letters should be sent certified mail to the credit bureau, creditor, or collection agency.
Known as the section 609 dispute letter or section 604 dispute letter, both dispute letters are similar.
They’ve been around for nearly five decades, since the fcra was passed in 1970. Slide carousel past slide carousel up coming. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts, as per my request and my legal right. The 609 dispute letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to remove the disputed item because it's unverifiable.