Credit repair forms pdf 2025

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A 609 letter is not a legal loophole to remove accurate or verified information from your credit report, even if that information is negative and hurting your credit score. If a credit bureau can verify a debt as legitimate, that debt will remain on your report.
A 609 dispute letter is a formal way to request more information about the accounts on your credit report. Sending a 609 dispute letter may help you remove errors from your credit report. Legitimate accounts should stay on your credit report even if you send a dispute letter.
But they have different purposes, and only Section 609 will support a dispute letter. Under the FCRA, Section 604 defines the circumstances under which a consumer reporting agency may furnish a consumer report. This section is titled Permissible purposes of consumer reports.
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.
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.
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A 609 dispute letter is a formal request sent to credit bureaus to verify the accuracy of the information on your credit report. The name 609 comes from Section 609 of the Fair Credit Reporting Act (FCRA), which grants you the right to request this information.

609 letter