If you're looking for dispute letter templates, there's likely a reason. And if the disputed information cannot be verified or confirmed, then it must be removed. This is a great piece of the puzzle to keep in mind and something you should consider including in your letter. Known as the section 609 dispute letter or section 604 dispute letter, both dispute letters are similar. Every day, Steven speaks with individuals and families in the online credit repair community to answers questions and offer help to people on their journey to repair and improve their credit rating. 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]. (Do you want something removed from your report? The practical impact of a dispute letter is it causes the credit reporting agency to investigate and correct any alleged error. That’s why many people have taken to writing dispute letters referencing Section 609, or hiring a lawyer to help them fight against the credit bureaus. Request receipt of delivery. Start by asking Capio Partners to confirm various details of your debt, such as the debt total, original creditor, and last date of account activity. It’s simply a known fact that most people overlook.., until now. Experian websites have been designed to support modern, up-to-date internet browsers. *For complete information, see the offer terms and conditions on the issuer or partner's website. This letter is a formal dispute in accordance with the Fair Credit Reporting Act (FCRA). For example, under this act, you must be told if any information in your file has been or is being used against you. How to Update Your Credit Report With New Personal Information. Essentially, 609 letters are a debt validation letter, because if you are asking for information specifically under FCRA 609 (A) (1) (a), then you can only really ask the credit agencies to verify the disputed record. If you have physical copies, keep them in a folder in a safe place. Steven is the Founder and Editor In Cheif of CreditRepairExpert.org. Results may vary. copy of docs youve signed. In those cases, you should file a formal dispute. This can be in the case of identity theft, or simply to dispute incorrect or inaccurate information. How to Get a Personal Loan With Bad Credit, How to Remove Repossessions from Your Credit Report Quickly, Consumer Credit Counseling Services (CCCS), How To Remove A Bankruptcy From Your Credit Report Quickly, 10 Frequently Asked Credit Repair Questions, Credit Repair Resources: Know Your Options, Best Credit Repair Companies of 2020 – Improve Your Credit Score, DIY Credit Repair: A Practical Guide To Repairing Your Credit Yourself, Removing a Credit Freeze – Equifax, Experian, TransUnion, https://www.transunion.com/credit-disputes/dispute-your-credit, https://www.equifax.com/personal/disputes, https://www.experian.com/disputes/main.html, “Summary of rights required to be included with agency disclosures. People often confuse this validation request as a debt verification letter but it contains less information. The first three letters are simply variations of the same basic idea, with slight differences in verbiage and tactic. Use these to help you format and draft your own personal letters. The keys to an effective dispute letter are specificity, attention to detail, and accuracy. Section 609 of the FCRA deals with disclosure and puts the burden of providing proper documentation on the credit bureaus. 1 letter to send to 3 CRAs 1 letter to send to creditor/collector who put them there. The style of your letter doesn't change that fact. 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. You also need to provide a statement that you're requesting validation of the debt. I would appreciate your assistance in investigating this matter within the next 30 days. My name is [Your name], and I reached out to you several weeks ago regarding my credit report. Copyright © 2016 - 2020. A letter requesting validation of the debt should be sent to the creditor or the collection agency, if they claim that you owe the debt, either by sending a collection letter or by reporting the debt on your credit report. © 2020 All rights reserved. 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. Experian. Then mail that form to Experian at P.O. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. As is stated in the Fair Credit Reporting Act (FCRA), Section 609: [In this section, include a relevant quote based on which area you are trying to dispute. A Debt Management Plan: Is It Right for You? It is also the bureau’s obligation to make sure consumers know their rights. Remember, this is just an example. How to Write a Debt Validation Letter . This letter is being sent to you in response to: Check One (1) ☐ - Notice sent to me on _____, 20___. See attached: [List attached documentation here.]. All information, including rates and fees, are accurate as of the date of publication and are updated as provided by our partners. Best Cash Back Credit Cards for Holiday Spending, Best Credit Cards for Black Friday Shopping. The FCRA does, in fact, include a considerable amount of language memorializing your rights to dispute the information found in your credit reports. After you've filed your dispute, you can sit back and give the process a few weeks to run its course. See Attached: [List attached documents here.] Conversely, if the information on your credit reports is accurate and verifiable, then chances are it's going to remain on your credit reports. The validation letter might leave you with more questions than answers. Try to make the letter appear more personal than this form letter, but make sure to use your own words. Make sure you specifically state what you want from the credit company.). If you fail to offer a response, all disputed information must be deleted. There are still actions you can take to improve your credit and improve your life. Any further comments or questions can be directed to my legal representative, [insert name], who can be reached at [insert phone number]. A 609 letter is the request you can send to credit bureaus if you wish to exercise any of the rights detailed above. A debt validation letter, also known as a Section 609 letter, is a formal request for Capio Partners to provide proof that the debt is yours and that they can legally collect it. **Simply click on the link below each letter to print out and fill in. For example, if you have an account listed as being late, print out all recent statements and records of payment. According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), your company is required by federal law to verify - through the physical verification of the original signed certified consumer contract - of any and all accounts you request to be posted and or reported on a credit report. There are a few that different people have used with mixed results. Specifically, if your Experian credit report contains any errors, you can file your dispute online, via good old-fashioned U.S. mail, or over the phone. If you have debt that is years old, you can argue that the collections companies or credit bureaus cannot prove that the debt is actually yours. As required by the FCRA, if you fail to do so, all aforementioned information/disputed items must be deleted from the report. However, before sitting down to write, you want to ensure that you have all the necessary information. Finally, remember that even if you can’t get your credit score improved using this method, all is not lost. The next blog post will tell you how. Once … All Rights Reserved. listed above, or you can look on the FTC’s website for the official document with exact verbiage. In short, there are small technicalities throughout Section 609, including those listed above, that you can argue in an effort to get negative items deleted from your score, or even potentially have student loans or other debt removed from your credit records altogether. Excerpts from this section are listed below: While all of this information directly relates to your rights as a consumer, what we’re going to focus on has to do with the responsibilities of the credit bureaus and reporting companies. Be thorough. As stated in Section 609 of the FCRA, (2) (E): A consumer reporting agency is not required to remove accurate derogatory information from a consumer’s file unless the information is outdated under Section 609 or cannot be verified. If done right, sending a well-organized, well-written 609 dispute letter can get you results where other methods would fail. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. The FCRA is divided into sections, each with a unique set of rules for credit bureaus to follow. Keep electronic copies in a designated folder on your computer, and back them up to external storage or a cloud drive. I have attached all relevant documentation for your review. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. An angry letter that includes name-calling and exclamations will most certainly not be taken seriously. (If you already guessed that it’s FCRA Section 609, give your brain a kiss.) If you fail to offer a response, all disputed information must be deleted. I have restated the terms of my dispute below for your convenience. And a final bit of good news: You can leave your credit card in your wallet because this entire process is—and has always been—free for consumers. The most important thing to remember when writing your dispute letter is that you have to reference the FCRA and this specific part of it, Section 609. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. What is a 609 letter? Section 609, oddly enough, doesn't have anything to do with your right to dispute information on your credit reports or a credit reporting agency's obligations to perform investigations into your disputes. All it takes is some time and a simple letter, and your ability to live free from the burden of bad credit is well on its way. 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. Include proof of identity. A strong letter will get you noticed; a weak letter will get you a form response, at best. How the credit bureaus handle disputes. That said, you also want to make sure you have all of the background and supporting information included to support and reinforce your dispute. Thanks to section 611, we all enjoy the right to dispute information we believe to be incorrect or unverifiable. While a 609 dispute letter may lead to the removal of negative items from your credit report, this information can be added at a later date if the CRA determines it to be accurate. Make sure that you address the letter to the correct department. How to Pick the Right Credit Card for You. In particular, I am referencing Section 609 (c) (B) (iii), which lists “the right of a consumer to dispute information in the file of the consumer” under the “model summary of the rights of consumers.”, As such, the following are items I wish to dispute on my credit report: [Include as many relevant items as you have, up to 20, including each account name and number as listed on your report.]. This is not a refusal to pay, but a notice to request validation. Let’s break it down piece by piece. How Long Does It Take to Repair Your Credit? With these and 609 letters you will get FAST results. ), Documents that verify your current mailing address (copies of your driver’s license, rental agreement, utility bills, mortgage, house deed, etc. You Can Use a Sample Template for Your Letter. ], The items I wish to dispute are as follows: [Include as many relevant items as you have, up to 20, including the account name and number as listed on your credit report.]. Using a polite but firm tone is also important. This Act governs how everything works so all parties are treated fairly. What is debt validation? Before we get into the nitty-gritty, however, we need to take a closer look at Section 609. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. Do not admit to owing the debt or make any reference to … The use of any other trade name, copyright, or trademark is for identification and reference purposes only and does not imply any association with the copyright or trademark holder of their product or brand. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. I have attached copies of relevant documentation. What’s the right strategy? If you fail to send these items along (again, reference “What to Include in Your Dispute” to learn what you’ll need), the credit bureaus won’t even look at the rest of your letter, let alone consider your case. Several quotes are See Attached: [List attached documentation here.] When in doubt, include documentation. You’ll also learn tips and receive guidance for crafting an effective dispute that gets you the desired results. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. But it's in section 611 of the statute, rather than in section 609. If you receive no response, a template is included below to help you draft an effective follow-up letter. Make a copy of your letter for your own reference, note important dates (for instance, the date you sent the letter and the date it was received), and keep all related files together and organized. See Attached: [List each piece of attached documentation here.]. This letter is being sent to you in response to an entry made on my Credit Report dated [date]. Additionally, you have the right to dispute information that may be incomplete or inaccurate. Editorial Policy: The information contained in Ask Experian is for educational purposes only and is not legal advice. Debt validation letters are valuable assets during the debt collection process. A 609 letter is based on the credit bureaus’ responsibility to report only information that is verified. Based on the Fair Debt Collection Practices Act, debt collectors must provide you with a debt validation letter which contains information regarding the debt in question. They dont, they cant. When drafting a dispute letter, always be sure to include as much information as possible, and keep all correspondence you receive through mail or email, in order to maintain thorough and accurate records. 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