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The document is a Credit File Investigation Request Form used to initiate disputes with credit reporting agencies Equifax and TransUnion. It requires personal information from the requester, including their name, address, contact details, and Social Security number. The form allows individuals to specify inaccurate items in their credit report and provide reasons for the dispute. Separate forms are needed for each agency.

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Does a 609 letter have to be notarized?

A 609 letter does not need to be notarized. However, including notarization may add credibility and emphasize the seriousness of the dispute. The most important aspect is providing accurate information and sufficient documentation to support your dispute.

How long does a credit investigation take?

45 days: If you submit additional information on your dispute during the standard 30-day investigation window, the credit bureau may take an additional 15 days, or a total of 45 days, to complete its investigation.

What is a 623 letter?

A 623 dispute letter is a written communication submitted to a credit bureau, typically by a consumer, to dispute inaccuracies or discrepancies in their credit report.

Do debt validation letters really work?

Yes it does actually work. Collectors rarely actually validate the debt because most of the debts in fact are not valid. Some just back off because receiving a well worded debt validation letter means you have consulted the FDCPA (or at least a good debt/credit forum) and know what youre doing.

What is a 604 form?

Form 604 Lobbyist Certification Statement. The Form 604 is the certification statement filed by an individual who qualifies as a lobbyist (including an individual contract lobbyist). The Form 604 is the initial certification statement and is also used as a renewal of a previous lobbyist certification.

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Do 609 letters actually work?

Bottom line. 609 dispute letters are seen as a way to help improve your credit, but they dont really do this, not directly at least. You can instead dispute inaccurate information with the help of Credit Journey or by contacting the credit bureaus directly.

Do letters really work to delete collections?

Not all creditors will accept pay for delete letters. Typically, many creditors like corporate banks, credit unions and even small-town banks may not be receptive to this strategy. However, small utility bills, such as phone, cable and power bills, that go to collections are more likely to be accepted by creditors.

Is a 609 dispute letter effective?

You could receive the information on your account and recognize something is inaccurate, but the credit bureau may not know that. A 609, or a traditional dispute letter, will not remove negative items like late payments, bankruptcy or loan defaults from your credit report.

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Does a 609 letter have to be notarized?

How long does a credit investigation take?

What is a 623 letter?

Do debt validation letters really work?

What is a 604 form?

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Do 609 letters actually work?

Do letters really work to delete collections?

Is a 609 dispute letter effective?

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