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.
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.
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.
the app to your mobile devices. You will only have access to your
Transunion and Equifax credit scores and reports
annualcreditreport.com (You are only allowed one free report
from each bureau once a year).
TransUnion Mailing Address:
TransUnion Consumer Relations
P.O. Box 2000
Crum Lynne, PA 19022
Disputes Items & Status Checks: 800-916-8800
Experian Mailing Address
Experian National Consumer Assist. Center
P.O. Box 4500 Allen, TX 75013
Dispute Credit Report Items 800-509-8495
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
www.annualcreditreport.com and www.creditkarma.com or www.privacygaurd.com,
(Transunion, Equifax, Experian)
SEND LETTER OR CALL CREDIT BUREAUS TO DISPUTE ALL INACCURATE PERSONAL INFORMATION
REMOVE OLD ADDRESS, INNCORRECT NAME SPELLING, UPDATE WITH NEW AND CORRECT INFO
SEND INQUIRIE REOVAL LETTERS TO COLLECTION AGENCIES AND CREDIT BUREAUS. DO NOT DISPUTE
INQUIRIES THAT ARE TIED TO POSITIVE GOOD STANDING ACCOUNTS
SEND DEBT VALIDATION LETTER AND/OR HIPPA VALIDATION LETTER TO COLLECTION AGENCIES
SEND 609 DISPUTE LETTERS TO DISPUTE: COLLECTIONS, LATE PAYMENTS, CHARGE OFFS, PUBLIC
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.
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.
Dispute Charge Offs, Closed Accounts, Derogatory Marks, Child Support, Dispute Errors, Inaccuracies, Student Loans, Evictions, Car Repos, Etc. Sent to Credit Bureau
Dispute Medical Bills. Sent to Medical Collection Agency
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
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.
Used to settle an account without paying in full- may or may not work. Goes to Collection Agency.
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.