Frequently asked questions

What is a 609 letter and how does it work?

609 are what you need to get negative accounts taken off your credit report. You can use it to dispute errors, resolve inaccuracies, and handle other items that might be impacting and lowering your credit score. The 609 letter is based on rights granted under Section 609 of the Fair Credit Reporting Act. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Section 609 of the FCRA requires credit bureaus to remove negative information that is outdated and/or cannot be verified. Consumers have the right to an accurate credit report. That means that only accurate, complete, and verifiable information can be included in your credit report. This is not a quick process and multiple letters may have to be sent. Stay persistent.

What is Debt Validation?

Collection Agencies must be able to verify, or "validate," any debt on which they are are attempting to collect payment. If a debt collector has failed to respond to validation request, then they have essentially admitted, that the debt in question is inaccurate. As such, all collection effort on the debt must cease and any derogatory listing should be permanently removed from any consumer credit reports. If the Collection Agency does respond in 30 days; while they may have your name, social security number, original balance and current balance, they may have failed to properly acqire additional paperwork regarding this debt, namely a contract signed by you authorizing the orginal debt balance. Failure of the collection agency to provide this imporatnt information, even if they sent a response within 30 days, may alloe you ti continue to pursue the debt's inaccuracy. This is not a quick process and multiple letters may have to be sent. Stay persistent


Sign up for privacy guard www.privacyguard.com to get all three
of your credit reports & scores for a $1.00 which is a 14-daytrial
period, $19.95 per month afterwards.
Credit Karma (creditkarma.com) - This is free and you can also download
the app to your mobile devices. You will only have access to your
Transunion and Equifax credit scores and reports Get a free copy of all three of your credit reports. You can get these from
annualcreditreport.com (You are only allowed one free report
from each bureau once a year). Credit Bureaus Contact information TransUnion Website:
TransUnion Mailing Address:
TransUnion Consumer Relations
TransUnion LLC
P.O. Box 2000
Crum Lynne, PA 19022
Disputes Items & Status Checks: 800-916-8800 Experian Website:
Experian Mailing Address
Experian National Consumer Assist. Center
P.O. Box 4500 Allen, TX 75013
Dispute Credit Report Items 800-509-8495 Equifax Website
Equifax Mailing Address
Equifax Credit Information Services, LLC
P.O. Box 740256
Atlanta, GA 30348
Dispute Credit Report Items: 866-349-5191

Steps To Repair Credit


What Letters Do I send?

Debt VALIDATION letter
First letter that should be sent to each Collection Agency asking them to Validate- not verify- each Collection Debt that was placed on your report. If they can’t validate the debt within 30 days, they mustremove it.
Personal Information Letter
Letter sent to each Credit Bureau to update personal information. Delete incorrect addresses, phone
number, correct misspellings, etc. You can also call each Bureau and have this done or go online and
dispute your personal information. 609 Letter (Credit Dispute Letters)
Dispute Charge Offs, Closed Accounts, Derogatory Marks, Child Support, Dispute Errors, Inaccuracies, Student Loans, Evictions, Car Repos, Etc. Sent to Credit Bureau Hippa Letters (Hippa Debt Validation Sent First)
Dispute Medical Bills. Sent to Medical Collection Agency Hard Inquiry Removal Letter
Dispute Hard Inquiries. Goes to Credit Bureau or Collection agency. You can also call each Credit Bureau and ask for removal of inquiries/ may or may not work. The point is to get them removed by somebody Goodwill Letter
Remove Late Payments. Send to Collection Agencies. You can also email CEO of company and ask for Late payment removal- may or May not work. Pay for Delete Letter
Used to settle an account without paying in full- may or may not work. Goes to Collection Agency. All letters should be sent handwritten in Blue Ink. Why? Paper trail in case you have to file a complaint with Better Business Bureau or CFPB or sue. No paper trail, no proof.
Also, Search the Facebook group. This is a Do It Yourself group so you must put in some work to actually repair your credit yourself.

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