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Does section 609 actually work to remove your negative items from your credit report? Unfortunately, I am here today to bust your bubble until you know, it does not work because guess what section 609 is used for it is for you as a consumer to get a copy of your consumer disclosure, which just happens to be your credit report. So can you legally permanently remove negative items from your credit report? Well, yes, you can, but is not going to be with a 609. And another thing that youre going to want to keep in mind is that certain templates do work for certain things, such as removing a reinserted negative item from your credit report using a 611 dispute, right? Yes. Does that work? Absolutely. Because it is for something specific, just the same as if you get in trouble and you need to get a defense attorney, theyre not going to argue all of your charges with just one motion or by using one case, no, these are very specific, youre going to have a bunch of cases to prove your point.
