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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.
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.
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.
Quick Answer. A 609 request is a formal request for credit report information. It can help uncover sources of reporting inaccuracies you wish to dispute, but a 609 request isnt actually a dispute letter.
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.
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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.
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.

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