Does anyone really care that not every single piece of every single credit file has been verified by numerous sources? Let’s break it down piece by piece. ], Automated page speed optimizations for fast site performance. The credit reporting agency that receives one of these letters generally must investigate and respond within 30 days. You will have the mailing addresses for the CRA’s and dispute letter templates ready to go along with an example dispute to show you how it’s done! girlfriend in spades. Additionally, you have the right to dispute information that may be incomplete or inaccurate. Once an account has been deleted from your credit report it can not burden you any longer. THAT ENDS HERE! Call CreditRepair.com for a free consultation today. Before we get into the nitty-gritty, however, we need to take a closer look at Section 609. Most of the (817) 609-XXXX phone number owners are in Dallas. I am very happy with product. He talked me through the whole process and answered my emails in a timely manner..THE PROCESS WORKS!!! Sending letters vs. filing complaints: why letters are better. I felt terrible. This includes an ebook and letter templates. As is my right, I am requesting verification of the following items: [List any/all items you’re looking to dispute,including the account name(s) and number(s) as listed on your credit report]. About Us. I am happy to report I now have a very good credit score up in the 760s. by Steve Rhode. Or learn more on our blog. Answer: Dear Gail, A 609 letter sound fancy but it is nothing special. As I've said time and time again I struggled with delinquent accounts for over 6 years, and even before that I struggled with credit giving me almost a DECADE of stress. When writing your dispute letter, it is important to include all relevant information, as well as several key elements, in order to create an effective, impactful letter. 1 letter to send to 3 CRAs 1 Comment. This might just seem like legal jargon to you right now, but, really, it’s a way out of bad credit. If you receive no response, a template is included below to help you draft an effective follow-up letter. A lot of plans out there will tell you to get a secure credit card and use the secure credit card to rebuild your credit. Peace! Become a member. Tired of getting harassing phone calls from collectors. I get it time is valuable and you don’t always want to dispute, BUT never pay unless they will REMOVE THE NEGATIVE ITEMS. His score went up 95 points with the 1st round of letters. Illustrate your case. The checklist below outlines the key elements to keep in mind as you write your letter, including basic information, documentation, references to the FCRA, wording, and more. And as you can see I've made it up to my I have attached all relevant documentation for your review. Not in the slightest. Section 609 in particular centers on the consumer’s rights to verification of accuracy, requiring the credit agencies and bureaus (TransUnion, Equifax, and Experian) to verify and disclose all relevant information. More info: Video On How To Discharge Student Loans. It is a loophole that people have found, with demonstrated success in improving credit scores. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. I actually flew in my girlfriend's best friend into us for their birthdays. With purchase of credit repair video series get my travel to Japan Video Series for Free. There are still actions you can take to improve your credit and improve your life. See Attached: [List attached documents here.] Find answers . I have gotten hundreds of requests for how to pay for a deletion or if you should pay the collectors. Copyright © 2016 - 2020. Legal Loophole Creditors Don't Want You To Know! I wish I had known these strategies, techniques, tips and tricks YEARS AGO. This worked for me and I want this to Get free and deeply discounted credit reports right from the credit bureaus, how to get a free Fico Estimate, and much more! Other things to note: Get it proofread and fact-checked. When they don’t produce it you will send a letter of VALIDATION not Verification to the 3 CRA’s. They will legally have to stop calling you so you can CHILL. Brandon rocks!!! it to you. Bangkok, Phuket, Phi Phi Islands and maybe Chiang Mai! Open +447510080125 United Kingdom. I had success boosting 2 of my credit scores over 100 points. In fact, there is a small loophole in Section 609 of the Fair Credit Reporting Act that can help you fast-track your way to a higher score. So when I came across Brandon's system my credit was in SUCH bad shape. This is a great piece of the puzzle to keep in mind and something you should consider including in your letter. Credit Education. for more details! It’s called the 609 Credit Repair Letter. I couldn't get appoved for a credit card and any As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. Each of the following templates is independent of one another, with the exception of Template #4, which is a general follow-up to any of the first three letters. Utilize this WAGE EARNER PLAN letter to setup a plan with the company taking your hard earned money. Sample letters and templates. I sent my first letter to all three bureaus on 1/25/2016 and Today 1/11/2016 I received a letter from Transunion stating that all 4 accounts I disputed were deleted and my score has increased 81 points . ), Documents that verify your current mailing address (copies of your driver’s license, rental agreement, utility bills, mortgage, house deed, etc. FAQs. Finally, remember that even if you can’t get your credit score improved using this method, all is not lost.   Templates for 609 letters can be found on the internet—often for a fee—but there is no need to spend money on such a product. See Attached: [List each piece of attached documentation here.]. the tickets for me and my girlfriend to Tokyo on American Airlines would have been in excess of $3,000. Monday - Friday | 6:00AM – 10:00PM MST Saturday | 7:00AM - 9:00PM MST Sunday | 7:00AM - 8:00PM MST Service Hours. We have helped people take control of their financial lives from across the country. 10. I'm currently working on getting the other 3 removed with letter #2. FCRA 609(a)(1) does not require a CRA to verify the accuracy of information in a furnisher's files.. You can contact us here anytime you want. With a good credit score you can The keys to an effective dispute letter are specificity, attention to detail, and accuracy. I believe Brandon to be at the Top of the list. Gail. thank you Brandon! Sometimes you just want to pay for collectors/creditors to go away. If you fail to offer a response, all disputed information must be deleted. The next blog post will tell you how. It’s simply a known fact that most people overlook.., until now. HOW TO REMOVE TAX LIENS. Let’s break it down piece by piece. You should also attach an relevant information, including a copy of your driver’s license for proof of identification, a copy of an documents they ma have sent you, and/or more detailed explanations or disputes. Very Sincere Information & I Highly Recommend these products. THEREFORE, I'm selling these at a deep discount. Other issues addressed include limiting third-party access to your file, requiring your consent before providing your credit scores to employers, and the option to seek damage from those who violate the FCRA. All this free travel would have cost me thousands of dollars. the apartment landlord wanted more money In other words, you may have debt or negative items on your credit report, but there may be a way around them. A statement explaining that all issues outlined in your dispute must be addressed within 30 days (this is crucial for taking advantage of the loophole for the timeline of disputes). Make sure that you address the letter to the correct department. Most of the (609) 725-XXXX phone number owners are in Pleasantville. Glad to see you've made it this far -- it means you are serious about changing your life for the BETTER! Bottom line: this system is cool. You will still get the Section 609 Credit Repair kit, the Section 609 video series, and travel hacking video series with my travel hacking ebook, and How to Sue and Win ebook plus the New 7 DAYS RAPID RESCORE STRATEGY! While a handful of people have tried filing a complaint with the Federal Trade Commission (FTC) about their credit reports, all have received back a generic statement that says that the FTC will not intervene in any dispute between a consumer and a credit bureau. 609 letters remove bankruptcy but this clever technique can help you remove your Bankruptcy FASTER! I have also highlighted all relevant items on the attached copy of said credit report. THAILAND!!! it is your right, under the FCRA, to have any inaccurate or unverifiable information corrected or removed from your credit report. 3 years ago. This can be in the case of identity theft, or simply to dispute incorrect or inaccurate information. Thank you for your prompt attention to this matter. Member support. Enjoy the BEYOND COMMITTED DISCOUNT and I'll see you on the other side! Following the Section 609 Credit Repair strategy has made a difference for many people. Any further comments or questions can be directed to my legal representative, [insert name], who can be reached at [insert phone number]. If you have any question, query or feedback, we would love to hear it from you and answer it for you. And I want to give you a proven method of removing medical collection accounts using powerful HIPPA laws to SCARE the collectors off FOR GOOD! Several quotes are See Attached: [List attached documentation here.] All Rights Reserved. You will still get the Section 609 Credit Repair kit plus the Section 609 video series,and travel hacking video series with my travel hacking ebook and How to Sue and Win ebook– $100 Value. Why the Section 609 Credit Repair Solution is Your Lucky Break. You will save thousands of dollars because you don't have to hire a credit repair company to do it for you. Open +23057218143 Mauritius. Keep the following points in mind, too: Again: reference Section 609. Using a polite but firm tone is also important. for a deposit. For each credit bureau that you contact, include proof of your identity with your letter. A call to action – in other words, language that describes what you want to happen next. Within 25 days my credit score increased by 62 points! And you want to get that IN WRITING. As proof of my identity, I have included copies of my birth certificate, Social Security card, passport, driver’s license, W-2, rental agreement and a cell phone bill. Sample 609 Letter And get it in WRITING. I am writing to exercise my right to dispute the following items on my file. Login. As mentioned earlier, the disputed information must be removed from your credit report if the agency does not respond within 30 days, or 45 days if information that could warrant a re-investigation is found. I would normally sell a massive package like this for $150, but not today. A 609 Dispute Letter is often billed as a credit repair secret or legal loophole that forces the credit reporting agencies to remove certain negative information from your credit reports. I would not have hesitated for a second and would have implemented them right away. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid. See you on the other side! I want you to get to travel for free, or get 0% on your next car loan or an insane rate on your mortgage or get a great apartment with no hassle, or get your utilities turned on with no problem or get that job you want, or get tradelines and funding for your business. listed above, or you can look on the FTC’s website for the official document with exact verbiage. You can finally get some help and take back control of your finances, credit, money, and life! time my girlfriend and I moved to a new place You want to directly cite and quote Section 609 in your letter to the credit bureau, reinforcing that it is your right to dispute the items on your report. Now you will save even more money!!!! I decided to work on my credit report because my goal is to buy a house. The 609 letter is similar to a debt verification letter you would send to a third-party collector when trying to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act.The 609 letter, however, is based on Section 609 of the Fair Credit Reporting Act (FCRA), a federal law that regulates the credit reporting agencies. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to consumers under this section.”, “…a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer unless the information is outdated under section 605 or cannot be verified.”, “…as proof of positive identification of the victim, at the election of the business entity.”, “…as proof of claim of identity theft, at the election of the business entity.”, “The Bureau, in consultation with the Federal banking agencies and the National Credit Union Administration, shall prepare a model summary of the rights of consumers under this title with respect to the procedures for remedying the effects of fraud. It lists the responsibilities of credit bureaus and credit reporting companies along with the rights of the consumer  – your rights. Brandon's program definitely works. 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