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Send your 609 letter to each of the credit reporting agencies that are listing the account you need verified: Experian. P.O. Box 4500. Allen, TX 75013. TransUnion Consumer Solutions. P.O. Box 2000. Chester, PA 19016-2000. Equifax. P.O. Box 740256. Atlanta, GA 30374-0256.
Writing credit inquiry removal letters Name, address, Social Security number, and date of birth. Today's date. Reason for the dispute. Description of the inquiry (including the creditor's name, date of the inquiry, and page number of where it appears in your credit report) Request for prompt removal.
A credit dispute letter doesn't automatically fix this issue or repair your credit. And there are no guarantees the credit reporting agency will remove an item\u2014especially if you don't have strong documentation that it's an error. But writing a credit dispute letter costs little more than a bit of time.
9 of the best dispute reasons for collections on a credit report Incorrect identifying information. Closed accounts reported as open. Accounts that are incorrectly reported as late or delinquent, such as by a collection agency or other creditor. Debts listed on your credit report more than once.
A 609 dispute letter is actually not a dispute but is simply a way of requesting that the credit bureaus provide you with certain documentation that substantiates the authenticity of the bureaus' reporting.
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But do they really work? Credit repair letters are designed to take advantage of a provision under federal law, the Fair Credit Reporting Act (FCRA), that allows consumers to dispute items on their credit reports that they believe are inaccurate or incomplete.
A 609 Dispute Letter is often billed as a credit repair secret or legal loophole that forces the credit reporting agencies to remove certain negative information from your credit reports.
A 609 dispute letter is often touted as a credit repair method that uses a legal loophole to repair your credit. You'll find many 609 dispute letter templates on websites which claim that you can use them to force the credit bureaus to erase negative marks (such as late payments) from your credit report.
In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can't relieve you of your existing debt.
Bottom line Fill out a credit bureau dispute form. Print your credit report and circle the errors. Attach documents that support your dispute. Write a letter to the credit bureau explaining the errors. Send your documents by certified mail with a return receipt, so you know they received your letter.

fair credit act form 604