Do Credit Dispute Letters Work. The theory behind the 609 letter is that asking your creditors to produce hard to find information such as the original signed copy of your credit application would make it difficult to verify a disputed item. But you can t fix anything until you make the decision to dispute your credit report. A 609 letter is based on the credit bureaus responsibility to report only information that is verified.
This type of letter is called a credit dispute letter. For recent collection accounts which fell behind within the last 4 years that are valid the most effective way to get these expunged is to utilize the pay for delete method where you offer to settle the account in exchange for deletion from your.
By disputing an item the credit reporting agencies are obligated by law to investigate.
The fair credit reporting act fcra gives you the right to dispute inaccurate information on your credit report. When you suspect one or more credit bureaus are reporting something incorrectly in your credit file you can send them a credit dispute letter. For recent collection accounts which fell behind within the last 4 years that are valid the most effective way to get these expunged is to utilize the pay for delete method where you offer to settle the account in exchange for deletion from your. If this happens the credit bureau must let you know within five business days and also tell you what you must do to restart the dispute investigation.
