Free Section 609 Credit Dispute Letters: Samples, Templates & PDFs

By Mark Huntley, J.D.

Real estate investor, lawyer, personal finance writer, and Co-Founder of Credit Knocks

Advertiser Disclaimer - Some links on this page may pay us advertising fees.

Are you tired of searching for free sample credit dispute letters only to end up reading a bunch of nonsense and not getting what you were after?  I was too! 

That’s why I created this free 609 template resource page!  To help you take control of your credit.

But consider this...

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Increase Your Credit by 100+ Points

In a recent study at Credit Knocks, we found that *48% of clients who used a credit repair company got a credit score increase of 100+ points.

Consultation is quick, easy, and free.

If you have plenty of time to send your own dispute letters, this page contains everything you need to do before sending a credit dispute letter, where to send it, and what to include in it.

Free Section 609 Credit Dispute Letters Samples Templates PDFs

I hope you have success with the free sample credit dispute letters below.

Free Section 609 Credit Dispute Letters

All of these free sample template pdf letters work great.  Click on any one of them to open the PDF file, although we do ask for an email.

Feel free to copy and paste them or download them.

You may change them or use them exactly how they are written.

If you write one that has success, please email it to us, and we may add it to our list.  Just like Rochelle did here:

Dispute Letter PDF Download

"I used your template and I went up 44 points.  Thank you!"  - Rochelle Cooper

Want a second opinion about how to tackle your credit?  Speak to the pros!

(Free Consultation)

Insider Tips To Help In Your Dispute

All section 609 credit dispute letters should be sent certified mail to the credit bureau, creditor, or collection agency. It is a good idea to retain all documentation from certified mailings, correspondence, phone calls, and notes, throughout the entire process.

If you need help along the way, we recommend our Top Rated Credit Repair Company.

7 Most Common Errors Found In Credit Reports

"The Consumer Financial Protection Bureau (CFPB) reports that 76 percent of consumers who filed complaints about credit reporting stated that they had incorrect information on their credit reports."

This was according to Cento Law, a firm specializing in consumer rights advocacy such as credit reporting.

When you review your credit report, be sure to check every single detail very carefully because if it is wrong, that can be grounds for you to dispute the record and have it removed.

Want a second opinion?  Get a free consultation with the pros!

(Most include a Free Consultation)

Common Errors Found On Your Credit Report: 

Be sure to check (and double-check) the following.  If they're not perfect, your letter will not work!

  1. 1
    Account Number
  2. 2
    Creditor Name
  3. 3
    Date Account Was Opened
  4. 4
    Date Account Was Charged Off
  5. 5
    Payment History
  6. 6
    Names On Account
  7. 7
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What To Put In Your Dispute Letter 

  • The Date
  • Your Full Name
  • Address (street, city, state, zip)
  • Date of Birth
  • Credit Bureau Contact Information
  • Disputed Account Name
  • Disputed Account Number
  • Description of Error (be brief)
  • Any Supporting Documentation (payment records, bank statements, court documents, etc.) 
  • Tell the credit bureau precisely what you want them to do (investigate, remove the record, etc.) 
  • Include a copy of your credit report with the error identified
  • Include a copy of our driver’s license or other government issued ID
  • Include a copy of your utility bill or a bill with your name and address to serve as a second form of ID

Want a second opinion?  Get a free consultation with the pros!

Something to keep in mind is that the credit bureaus keep good track of your disputes. 

Credit Repair companies are much more effective at having bad credit records removed and once you dispute the account it is much harder to dispute it again if your efforts fail. 

Did you know?

48% of credit repair customers saw a 100 point or more credit score increase after 6 months. 

U.S. Credit Repair Survey (Oct '19) 

Equifax Dispute Address

Equifax Mailing Address

PO Box 7404256

Atlanta, GA 30374-0256

TransUnion Dispute Address

TransUnion Mailing Address:

PO Box 2000

Chester, PA 19022-2000

Experian Dispute Address

Experian Mailing Address:

PO Box 9701 

Allen, TX 75013

*Please be aware with all disputes, there's a chance for a temporary credit decrease.  Please see Mark's article on how Equifax lowered his credit score by 72 points when he sent his dispute letters.  (It quickly increased 100 points)

So you may want to speak to the pros for a free consultation before you try this on your own.  Click below for our top rated companies.

Do You Know Your Credit Score?

As you repair your credit you will also want to start to take steps to add positive history to your file. 

The very first step is to find out your credit score. 

Luckily, you can get a Free Credit Score from multiple places.

Click here to find out HOW TO GET A FREE CREDIT SCORE IN 2019.

In a recent study, we found that *48% of paying, credit repair clients got a 100+ credit score gain or more.   If you don't have serious time to devote to your dispute letters, we recommend you hire the pros to help.  Check out our #1 choice for professional credit repair. 

*Respondents stayed with their credit repair company for 6 months or more.  

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.

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