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How To Submit A Section 609 Letter [Free Template]

There is a lot of confusion surrounding the Section 609 Letter and whether or not it is a secret loophole to make all of your credit problems disappear.

Interestingly, the name comes directly from the Federal Credit Reporting Act Section 609 (A) (1) (a) where consumers are given the right to request certain information found on their credit report from credit agencies.

section 609 letter

What is a 609 letter?

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. 

Your rights to DISPUTE that information actually come from the Federal Credit Reporting Act Sections 611 and 623, but for some unknown reason, most people only know about 609, so that section number carries all the clout. 

Does section 609 really work?

 Credit reporting agencies upon receiving a Section 609 FCRA verifiable proof request letter, they must provide you with the following:

  • The information in your consumer credit file (not quite all) 
  • Source of your credit file information. 

That’s it.

There are no magic 11 words that need to be included within the Section 609 credit dispute letter to make this happen, other than the relevant information the credit agency needs to look up your account and identify the report in question.

However, once the credit agencies receive a 609 letter from you, they will attempt to verify the disputed record, and if they cannot, they will delete it.

And that is the magic of the 609 dispute letter; it can be incredibly simple to have negative records removed by sending just a section 609 verifiable proof request.

So, does Section 609 really work?

It definitely can! 

Here's something to think about...

Credit repair is about fixing the past while Credit building is about creating a future, why not do both at the same time?

Take our Free Credit Action Plan and get a personalized three step 90 day strategy to improve your credit score fast! 

How To Submit A Section 609 Letter

Comparing Terms Associated With The 609 Letter Strategy

Credit Secrets

The book Credit Secrets is known in the credit repair world for its thorough explanation and examples of credit dispute letters.

If you do any research on the internet for Section 609 Credit Report Dispute Letters, you will probably come across this book.

Here’s the thing...

It’s a nice book of information with a lot of different sample 609 letters and credit repair strategies...

But, they lead you to believe that you have to use their specifically worded dispute letters when, in reality, you do not.

The book has a lot to offer, and you can read more about it in our Credit Secrets Review.

Smart Money Secret 11 Words...

Here’s a bit of confusing credit repair lore...

What is the difference between Credit Secrets and Smart Money Secrets Books?

Eleven words!

Supposedly, Scott and Allison Hilton wrote Credit Secrets and then they met a credit repair insider named Jay.

Jay explained to them that he had discovered 11 words that needed to be included in your Section 609 Credit Dispute Letters that would make the creditors and credit agencies cower at your pen.

Anyways, the book is pretty much identical to Credit Secrets book, plus 11 magic words.

Again, both books are a useful resource once you get past the over marketing, but we also have provided you with a free sample template section 609 credit dispute letter pdf here.

section 609 letter

609 Credit Repair Review

You have to respect good marketing, and 609 Credit Repair smartly added a 609 in front of their chosen industry and called it their name.

Anyone looking for a Section 609 Credit Repair Letter is going to find 609 Credit Repair services.

Their website tries to play off of their name but don’t be confused. This is a credit repair company.

The problem is as we look at 609 Credit Repair review, we see a lot of negative comments and reviews from past customers.

This is fairly typical in the credit repair industry, but some of the claims against this company are alarming.

Be sure to check around before deciding on a credit repair company, we recommend the Credit Pros, because of their professional service, history of positive results and the best prices in the industry. 

Steps To Submitting A 609

How to dispute credit report and win...

Obtain a copy of your credit report for free by going to

Find the error you are going to dispute in your credit report and highlight or circle it.

Make a copy of your driver’s license and a utility bill or something from a government entity with your address on it to be included in your Section 609 dispute as a secondary form of ID.

Collect any supporting documentation to dispute your credit report, such as banking statements, letters from a creditor, or even a video of creditors taking away your first born child to settle your debts.

Write a Section 609 credit report dispute letter to the credit reporting agency. (Free section 609 credit dispute do it yourself letter package). Our free DIY credit repair letters include samples in PDF format of a; 609 letter, section 609 credit repair letter, section 609 letter template, 609 letter template pdf, 609 letter template free, and section 609 credit dispute letter pdf. Be sure to visit our:

Free Section 609 Credit Dispute Letters: Samples, Templates and PDFs Page

Send the 609 F.C.R.A. letter with your credit report, identification and supporting documents to the credit bureau via certified mail with return receipt requested and keep all documentation.

The credit agency will usually respond in 30 days unless you provide additional information during the 30-day process and in which case they may take 45 days to respond to your 609 dispute.

They will either respond that the furnisher was able to verify the disputed records or that they have deleted the disputed records. If they do not delete the records, instructions are included on how to go about disputing their findings.

section 609 letter

Where To File A Complaint Against A Credit Reporting Agency

Sometimes, despite all of your best efforts, the credit agency will not remove a negative remark from your credit record after sending a Section 609 FCRA verifiable proof request letter.

The CFPB or Consumer Financial Protection Bureau has been charged with overseeing the credit reporting agencies since 2012.

CFPB’s complaint page can be found online with multiple resources to possibly help you resolve your issue before filing a complaint as a last recourse.

Consumer Financial Protection Bureau has an extensive database full of consumer resources that include insight into credit cards, auto loans, and home mortgages, to name a few.

They also have a great Know Your Rights brochure that you should be sure and check out.

How To Get A Free Credit Score

Repairing your credit is the first step in improving your credit score. 

It is a good idea to keep track of your credit score throughout the credit repair process. 

This will help you know which steps you've taken have been the most and least effective. 

With this knowledge you will have a better idea of which credit repair techniques you should continue to use. 

In the meantime, you can read up on HOW TO GET A FREE CREDIT SCORE

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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