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THE UNLIMITED PACKAGE – All Forms, Letters, Tools and Templates – FCRA Section 609 Dispute Letter Series

THE UNLIMITED PACKAGE - All Forms, Letters, Tools and Templates - FCRA Section 609 Dispute Letter Series

THE UNLIMITED PACKAGE – All Forms, Letters, Tools and Templates – FCRA Section 609 Dispute Letter Series

This do-it-yourself letter package will help you demand from the credit bureaus, collection agencies, creditors, banks, and lenders that they provide the physical verification of the original signed consumer contract that is required of them by law. At first, our letters will kindly ask them to "Please send me copies of an original consumer contract or documents that you have in your files as of this date with my signature that you used to verify the accounts..." If however, they fail to comply with your simple request, the letter series will get more demanding with each letter you send, assuming that you do not receive the response you are looking for. The final letter in the series (Letter 4) is a notice that you have or will be filing a lawsuit against the credit bureau. But for now, just relax. Its rarely that serious. Most are able to secure removal of this data from their files before needing to go that route, simply by following the process as outlined in the step by step instructions.

THE UNLIMITED PACKAGE - All Forms, Letters, Tools and Templates - FCRA Section 609 Dispute Letter Series

Item #: CRE609-9999-ALL

DESCRIPTION

This do-it-yourself letter package will help you demand from the credit bureaus, collection agencies, creditors, banks, and lenders that they provide the physical verification of the original signed consumer contract that is required of them by law. At first, our letters will kindly ask them to "Please send me copies of an original consumer contract or documents that you have in your files as of this date with my signature that you used to verify the accounts..." If however, they fail to comply with your simple request, the letter series will get more demanding with each letter you send, assuming that you do not receive the response you are looking for. The final letter in the series (Letter 4) is a notice that you have or will be filing a lawsuit against the credit bureau. But for now, just relax. Its rarely that serious. Most are able to secure removal of this data from their files before needing to go that route, simply by following the process as outlined in the step by step instructions.

PRICING DETAILS

Price:

$99.99

More Details...

609 Letters: What are they & How they Work

If you have bad credit or you’re trying to improve your credit score, you’ve probably heard of a 609 letter. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It’s named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices. Though section 609 doesn’t say anything about disputing information in a credit report. It gives consumers the right to all information used to calculate their credit score.

So how do 609 letters work? In this article, we explain what goes into these letters and how they can help you in your credit repair journey.

Errors on Credit Reports

Although you wouldn’t expect credit report mistakes from credit bureaus, they do happen. Unfortunately, they’re common. The most common types of mistakes include reporting closed accounts as open and falsely reporting delinquent accounts that are not delinquent at all. Your credit report may also show late credit card payments that were not in fact late or unpaid utility bills that were actually paid.

These errors contribute to incorrectly lowering many Americans’ credit scores. If they lower your credit score, you might be prevented from obtaining a loan or a credit card. Even if you are able to get a loan, if you have a low credit score you’ll most likely have to pay a higher interest rate. Removing these negative or unverifiable entries on your credit reports is one of a few effective credit repair methods that will help you improve your credit score.

Credit Bureaus

How are credit reports created? In the United States, they’re created by the three credit bureaus, also called credit reporting agencies: Equifax, Experian, and TransUnion. These credit bureaus package, analyze, and compile consumer credit reports and credit scores. Credit scores are then used by lenders when they’re deciding whether to lend money to someone who has applied for a loan.

Clearly, credit bureaus have a very important job, and they’re required to create credit reports responsibly and accurately. Under the law, these bureaus must include only accurate and verifiable information in consumer credit reports. If you have any doubt about your credit score or report, you can request a free credit report every 12 months from the credit bureaus.

In many cases, consumers will notice mistakes in their credit reports. If you notice a mistake, there are a few ways to fix the errors to avoid any negative consequences.

Consequences of Erroneous Entries on Your Credit Report

If your credit report has inaccurate information, it can negatively affect your personal finances. Some possible negative consequences of credit report inaccuracies include a lower credit score and difficulty getting a loan. You can even run into problems getting hired if a prospective employer makes a job offer contingent on a credit check. This type of contingency allows your employer to run a credit check to make sure you’re financially responsible.

Section 609 of the Fair Credit Reporting Act (FCRA)

The FCRA is the primary federal law that dictates credit bureaus and credit reporting agencies’ responsibilities and outlines consumers’ rights regarding credit reporting. Section 609 of the FCRA gives consumers the right to request all information in their credit files and the source of that information. Consumers also have the right to know any prospective employer who has accessed their credit report within the last two years.

Section 609 gives you the right to access information used by a credit bureau to create your credit report. This way you can make sure that the credit bureaus aren’t using incorrect information to calculate your credit score. If they are, you can use the information from your credit report to dispute debt and take other steps to clean up your credit report. To make sure your credit report is accurate, you may have to send a 609 letter to the credit bureau asserting your right to your credit information.

What Is a 609 Dispute Letter?

A 609 letter is a method consumers can use to request the removal of erroneous items or unsubstantiated entries from their credit reports. As stated above, 609 letters are named after section 609 of the FCRA. This gives you the right to request information about the items listed on your credit reports but not specifically to dispute them. So, although 609 letters are often called dispute letters, they’re not actually disputing anything on your credit report just yet. Your right to dispute information in your credit report is covered in sections 611 and 623 of the FCRA.

The idea behind the 609 letter is that if the credit bureaus can’t produce certain records required to verify a given debt, then they must remove that debt from your credit report. So basically, 609 letters give you the information you need to draft follow-up letters to dispute any errors under sections 611 and 623. Although 609 letters are very helpful in getting this process started, it’s important to remember that there is no credit repair secret or silver bullet. Still, a 609 letter can open the door for you to solicit help from the credit bureaus.

What 609 Letters Cannot Do

There are some specific things that 609 letters can’t do. In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can’t relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can’t relieve you of your existing debt. This is a common question from consumers who are trying to avoid collection agencies. If the debt has been verified, is accurate, and is not old debt, then sending a 609 letter won’t help you remove it from your report or stop collection efforts.

How to Write a 609 Letter

There is nothing proprietary about the format or wording of a 609 letter. 609 letters are legal documents, not creative materials, so they’re not protected by copyright. And, there is no evidence suggesting that any particular dispute letter format is more effective than another. You might find that some companies will advertise that their letter template will work better than other letter templates because of how it’s formatted. Don’t fall for this.

In fact, you can write a 609 letter on your own as long as you include the right information. Below is our guide for how to draft your 609 letter, what to include in it, and how to send it.

Step 1: Get your free credit report.

Before writing a 609 letter, request a free copy of your credit report online to check it for any erroneous negative items. When reviewing your credit report, make sure all reported debts are accurate. If you’re not sure what to look for, review our article, How to Find Out What Debt Collectors You Owe.

Step 2: Write your 609 letter.

Once you have your report and you know what you’d like to dispute, create a letter that has the following information:

    • Personal information: Include your full name, date of birth, address, and phone number.

    • Attorney information: If you have an attorney include their name and contact information.

    • Account number with the credit bureau:Include your account number with the credit bureau that gave you the credit report. Your account number should be listed directly on the credit report.

    • A statement asserting FCRA rights under section 609: Include a statement indicating that you are exercising your right under the FCRA, section 609, and you are requesting all information related to debts listed on your credit report. State that you are entitled to all documents related to each item, including each original credit application and contract containing your signature.

    • What items or entries you’re requesting information about: Make a list of the items on your credit report that you’d like information about along with all dates associated with each item. These should be the items you plan to dispute. If your credit report has many disputed items, instead of listing them in the letter, you can circle the items in your credit report and then refer to the report in your letter.

    • Your credit report: Always include your most recent credit report. Make sure to circle and highlight every item on your report that you want information about.

    • Proof of identity: You must also provide appropriate proof of identity. To do this, include a copy of your government-issued ID, like your driver’s license or passport, and your Social Security number.

    • Request for removal. In addition to requesting information about items in your credit report, include a statement reminding the credit bureau that if they cannot verify an item by locating the original contract or other documents necessary to validate a given item in your credit report, they must remove that item within 30 days.

    • Reference to enclosures. Enclosures are all the other documents you’re sending to the credit bureau along with the letter. At the bottom of the letter under the header “Enclosures” add a list of all other documents you’re sending to the bureau.

Step 3: Mail your 609 letter via certified mail with a return receipt.

Once you’ve drafted your letter, sign it. Then, make copies of the letter and all other documents you plan to send to the credit bureau. Send the letter and all other documents to the appropriate credit bureau via certified mail and request a return receipt. When you send mail via certified mail and request a return receipt from the United States Postal Service, they will give you the certified mail receipt at the time of mailing. Then, they will send you the return receipt once the mail is delivered. Don’t lose this receipt or your certified mail receipt.

Although you can draft and send a 609 letter by yourself, it’s always best to seek professional advice from a credit repair lawyer or credit counselor, especially if you’re not familiar with the formal correspondence. Professionals like lawyers and counselors can assist you with the 609 letter, any follow-up dispute letters, and other aspects of your debt relief and credit repair efforts.

The Credit Bureaus’ Responsibility

Credit bureaus are required to review all inquiries, including inquiries made via 609 letters, and notify consumers of the results in 30-45 days. This means that if you send a credit bureau a 609 letter requesting documents related to items in your credit report, they need to give you those documents within 30-45 days.

There is no guarantee the credit reporting agency will remove a record, especially if they don’t have clear evidence. For this reason, it’s important to stay persistent and send multiple dispute letters (if needed) to get results. Even though it will be frustrating if they don’t provide you any information, their inability to provide necessary documentation can help you with your dispute. If they aren’t responding, write a follow-up dispute letter that notes that they have not provided documents to verify the debt you’ve inquired about.

Does a 609 Credit Dispute Letter Actually Work?

There are no guarantees that a 609 credit dispute letter will help you remove negative information from your credit report. Whether the bureau removes an item will depend on whether there were erroneous items in your credit report, whether the bureau can locate the documents required to verify the debt(s), and how clearly the items are disputed. Still, 609 letters will help you get the dispute process started. By requesting information from credit bureaus, they must provide all information in your credit file related to the items you’ve inquired about.

If the credit bureau is not responding to your 609 letter or any follow-up letters, you can also report their behavior to the Federal Trade Commission (FTC), which is the federal agency charged with enforcing the FCRA. Filing a complaint with the FTC will put additional pressure on the credit bureau to respond and also to fix any errors in your credit report.

Let’s Summarize…

Although 609 letters may not help you with your credit report dispute right away, they’re a great way to get you the information you need to dispute debts in future letters to the credit bureau. If they’re drafted clearly, the credit bureau may remove items that they discover are incorrect or that they aren’t able to verify. If you’re looking to get information from a credit bureau, make sure that your 609 letter has the right information, including your account number, what you’re asking for, proof of your identity, and any other documents that might help them process your request.

Even if they don’t answer, keeping a record of your requests and making sure they’re done right will help you down the road, no matter how you decide to pursue your credit report dispute. And, if you’re concerned about making a mistake on the 609 letter, remember that you can get help from a credit repair lawyer or credit counselor. Finally, keep in mind that 609 letters are not loopholes in the law. They’re simply a way to assert your rights under the FCRA.

Getting Started

Thank you for choosing CreditEasier.com! With our form and letter templates, you can quickly and easily create all the credit dispute letters you need. Our goal is to help you to easily improve your credit and save you time and money all without the expenses of hiring a credit repair company. Just follow along with the step-by-step instructions provided to create finished documents that you need to succeed.

USING THE TEMPLATES

To use the PDF or Word-based files from Credit Easier, your computer or mobile device must have Adobe Reader, a program that is factory-installed on many devices. If the program is not installed on your computer or device, it can be downloaded for FREE at http://get.adobe.com/reader/ or by visiting your device’s app store. You may also follow the link on our website CreditEasier.com to download an official copy of the software free of charge.

It is strongly suggested that you use the most up-to-date version of Adobe Reader available. To check for version number and updates, look under the HELP link in the main menu of Reader. This document works best with the latest version of Acrobat Reader, but it is compatible with versions 8 and 9 as well. Javascript must be active.

If you are certain Adobe Reader is installed but double-clicking on a CreditEasier.com PDF file does not launch the Reader program automatically, then start Reader directly and select File>Open from the Reader menu and browse your way to the legal forms on your system.

The process for completing a document is simple:

    1. launch the document you wish to complete using Reader
    2. read the content on each screen then select the NEXT> button
    3. answer the questions as presented. Or fill in the fields with the needed information.
    4. Once you finish all the questions, SAVE a copy of the document
    5. Once saved, review the full document to ensure it looks and reads as you expect, then print the forms and sign (notarize) as instructed.

The attorney-reviewed content in our letters and templates is drafted to cover the most common situations and allows choices to be made for several personal variables. If you believe the content clearly does not fit the nature of your personal situation, please contact CreditEasier.com with your concern.

PRINTING THE PDF FORMS

NOTE: the buttons and form field indicators that appear when viewing the document pages within the forms will not print with the finished documents

Printer margins are set within a dialog box that appears when the Print command is selected. These margins may be adjusted in your system to match the printer’s capabilities.

In many cases, a printer automatically adjusts its margins to suit the document.

Printer margins on CreditEasier.com’s forms are set at 1 inch at the top, 3/4 inch left and right, and 1/2 inch at the bottom. The variation is due to the footer; the primary content sits 1 inch from the edge on all sides. There is no reason to adjust the margins of the document within the software itself, but rather you should always adjust your printer’s setting to meet the specs above.

If the print area shown in the Print dialog box is smaller than the margins listed above, the best option is to select ‘Size to Fit’ for the document size. If the print area is larger than the margins listed above, select ‘Print at 100%’ or ‘Actual Size’.

Please read the help manual provided with your printer if you need further instructions on how to adjust your printer’s margins.

CONTACTING TECHNICAL SUPPORT

While CreditEasier.com cannot and does not offer any personal advice, we are happy to help you with any technical issues regarding the templates, their download, and other use technical issues.

The most common error regarding the use of the template or the completion of a document is that the user has not fully read the instructions provided. Please read all of the instructions provided carefully, including the introduction sections and the field-specific instructions under the (?) icons.

If you have read all of the information provided and are still having difficulty completing the forms, you may wish to check our website’s ‘Frequently Asked Questions’ section at http://www.CreditEasier.com/faq/ for software-use issues, or the ASK US section at http://www.CreditEasier.com/ask/ for common question-and-answer topics on specific credit categories.

If you still have an issue after reviewing the FAQs and Ask sections, contact support through our website at http://www.CreditEasier.com/contact

Once again, thank you from CreditEarier.com!

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Binding Arbitration

If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association (“AAA”) and, where appropriate, the AAA’s Supplementary Procedures for Consumer Related Disputes (“AAA Consumer Rules”), both of which are available at the AAA website www.adr.org. Your arbitration fees and your share of arbitrator compensation shall be governed by the AAA Consumer Rules and, where appropriate, limited by the AAA Consumer Rules. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will make a decision in writing, but need not provide a statement of reasons unless requested by either Party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except where otherwise required by the applicable AAA rules or applicable law, the arbitration will take place in San Bernardino, South Carolina. Except as otherwise provided herein, the Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

If for any reason, a Dispute proceeds in court rather than arbitration, the Dispute shall be commenced or prosecuted in the state and federal courts located in San Bernardino, California, and the Parties hereby consent to, and waive all defenses of lack of personal jurisdiction, and forum non conveniens with respect to venue and jurisdiction in such state and federal courts. Application of the United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Terms of Use.

In no event shall any Dispute brought by either Party related in any way to the Site be commenced more than one (1) years after the cause of action arose. If this provision is found to be illegal or unenforceable, then neither Party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable and such Dispute shall be decided by a court of competent jurisdiction within the courts listed for jurisdiction above, and the Parties agree to submit to the personal jurisdiction of that court.

Restrictions

The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. To the full extent permitted by law, (a) no arbitration shall be joined with any other proceeding; (b) there is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures; and (c) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

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ADDITIONAL TERMS OF SERVICE

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580

Evaluate your Credit Reports and Scores

Evaluate your current credit reports from all 3 credit bureaus to identify potentially inaccurate, erroneous, false, or obsolete information which is negatively affecting your credit scores.

Create Credit Bureau Dispute Letters

Quickly and easily create effective dispute letters for the dispute of potentially inaccurate, erroneous, false, or obsolete information for any accounts on your credit reports. The CreditEasier.com platform enables you to create unlimited dispute letters for all types of accounts listed on your credit reports from all 3 credit bureaus..

Resources

Educational videos and articles provide expert advice and instructions on how to improve, build and maintain great credit. Letter templates and guides are available for all your credit related needs.

Authorizations

Upon linking your credit reports to your CreditEasier.com account, you authorize CreditEasier.com to store your credit report and score info as well as your credit monitoring account credentials and to access your credit monitoring account for the purpose of retrieving and updating your credit reports and scores.

CreditEasier.com Fees

CreditEasier.com’s website and credit repair software platform is priced by each individual item sold. The only additional costs are totally optional and are associated with the CreditEasier.com platform are the membership fees charged by our credit monitoring partners which you can link to your CreditEasier.com account to automatically connect your 3 Bureau Credit Reports and Scores. The credit monitoring membership plans that are available to link to CreditEasier.com range in price from $19.95/month to $39.95/month. To avoid being charged any future membership fees you can login to your linked credit monitoring account and cancel your subscription online at any time.

Duration

Once you create a CreditEasier.com account you can login to your account by accessing this website at anytime. You can use the account with all of its features for as long as you would like to whether you choose to use it for creating and tracking dispute letters, for the resources section or just to monitor your credit across all 3 bureaus.

CreditEasier.com LLC Contact Information

425 S 2ND AVE STE 1232, BARSTOW, CA 92311

Email: support@CreditEasier.com

Online: http://CreditEasier.com

You may cancel this contract without penalty or obligation at any time. See the attached notice of cancellation form for an explanation of this right.

While CreditEasier.com products are charged only a one time fee, users have the option to link an active credit monitoring subscription service through a third-party provider. To cancel your credit monitoring subscription, contact them directly using the information and instructions they provided when you enrolled. Submitting a notice of cancellation to CreditEasier.com does not automatically cancel any subscription you have with a third-party credit monitoring service that you may have linked to CreditEasier.com. Please contact your credit monitoring service provider separately and close your account according to their cancellation guidelines.

Technical Support

If you have questions or need help using the templates, please fill out this form and we will contact you to help you through the steps.

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Obtain & Review Your Credit Reports

Credit Easier will show you how to quickly and easily obtain your 3 bureau credit report, find negative accounts, and how to prepare an aggressive dispute strategy. This will never put a negative inquiry on your credit profile.

Submit a Dispute That Works

Credit Easier’s extensive database lets you select the dispute template letter that’s best for your specific scenario. With hundreds to choose from, you’re guaranteed to find a dispute letter that works.

Track Your Results

You’ll be shown when to follow-up if you don’t receive a response and what letter is recommended next. Every month you’ll compile a progress report showing what accounts were deleted and obtain a fresh copy of your new credit scores.

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Custom templates for all 3 bureaus!

With our tools, Credit Easier will show you how to easily track all of your disputes on all 3 credit bureaus. Or use the generic template and fill in the business name and address yourself to use this form for any company, credit reporting agency, collection agency and more!
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Experian

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Disclaimer

All forms are provided by Credit Easier, its sister company Silverlight Credit and/or their parent company DML-KKC Companies. All forms are provided without any warranty, express or implied, as to their legal effect and completeness. This form is a generic example that may be referred to when preparing such a form for your particular state. It is for illustrative purposes only. Local laws should be consulted to determine any specific requirements for such a form in a particular jurisdiction.