What Is A 609 Dispute Letter?

When you are reviewing your credit report what happens if you find something incorrect? You can file a dispute directly with the creditor or your can write something called a 609 dispute letter.

A 609 letter is a way you can request the removal of something inaccurate or negative from your credit report. You can even file a 609 dispute when something negative is on your credit report even if it is accurate - of course this doesn’t mean it will actually be removed.

This function comes from section 609 of the Fair Credit Reporting Act which says that you have the right to the information contained in your credit report as well as the source of the information.

What Rights Do I Have Under Section 609?

Section 609 gives consumers several rights when it comes to the information contained in their credit report. Under the section you have the right to request all of your credit information with the source of the information as well as any businesses or employers that have made any kind of inquiries to your credit report over the last two years. This ensures that you have direct oversight of your own credit report.

What Is A 609 Letter?

A 609 letter is a kind of dispute you can file where the credit bureau has to produce verified source information to back up a claim on your credit report. Let’s say you have a credit card on your report that you never opened. You can send a 609 letter asking the credit bureau to produce the verified information that shows you applied for the card. If it is inaccurate then they will not be able to produce the proof and you can ask for it to be removed from your credit report.

A 609 dispute letter simply asks the creditor to provide you with the information regarding an entry on your credit report. This can be a credit card application with your signature or some other kind of source document. This is another way to dispute an error on your report.

Of course you can’t just send 609 letters for legitimate debt because that cannot be erased. This is simply another tool in your arsenal if you are trying to clean up your credit.

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