The following sections will tell you how to reference Section 609 in a written dispute of your credit report and what to include in your dispute letter. This Act governs how everything works so all parties are treated fairly. Sorry, there has been a problem and your message was not sent. I ran across Brandon Weaver youtube page. Thank you for your generosity. I actually flew in my girlfriend's best friend into us for their birthdays. These are [incorrect, inaccurate, unverified] due to the lack of validation by numerous parties that is required by Section 609. A 609 credit repair letter can help you remove “unverifiable” bad marks, boost your credit score, and help you qualify for loans that you otherwise wouldn’t meet the requirements for. See you on the other side! It is a loophole that people have found, with demonstrated success in improving credit scores. ), A copy of your credit score with relevant items highlighted. Become a member.   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. I took her to Tokyo, Japan Your Social Security number (if you ask for it to be hidden). SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. Why the Section 609 Credit Repair Solution is Your Lucky Break. This is a huge value. The FCRA as a whole focuses on your rights as a consumer, from having the right to know what is in your file, to have the right to ask for your own credit score. And much more! Do you simply want clarification? In just a few weeks you could get rid of all your credit problems, never have to live with bad credit again, be able to vacations whenever you want or buy that dream home. This is a SOFT OPENING because I am so excited to get these products to you I COULDN'T WAIT! I am so HAPPY you are taking control of your FUTURE and using these SECRETS to make your life better just as I did. 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. 1 letter to send to creditor/collector who put them there. ), Documents that verify your current mailing address (copies of your driver’s license, rental agreement, utility bills, mortgage, house deed, etc. All our friends loved them and we That's right. When I stumbled on Brandon's video I felt excitement but also that caution of this feels "too good" to be true. The following are examples of letters you can send to credit reporting agencies and bureaus to dispute any negative items or debt on your reports. Purchase my video system now and I will give you my free travel video system. NEW 7 DAY RAPID RESCORE & BEYOND COMMITTED BELOW! Member support. The Easy 609 Credit Repair Secret: The Federal Law Loophole That Removes All Negative Accounts Every Time! Glad to see you've made it this far -- it means you are serious about changing your life for the BETTER! Does anyone really care that not every single piece of every single credit file has been verified by numerous sources? Illustrate your case. Actually a little over I am very happy with product. Submitting your dispute by mail. Upon review of my credit report, I have found that there are several inaccurate and unverified items. Keep the following points in mind, too: Again: reference Section 609. DON'T MISS 7 DAY RAPID RESCORE & BEYOND COMMITTED BELOW! Now you have a letter to do it. FCRA 609 is not a dispute process. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid. People report that their disputed accounts or negative items on their credit scores have been deleted, and their credit scores have improved greatly. Legal Loophole Creditors Don't Want You To Know! 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. ], Automated page speed optimizations for fast site performance. This is going to make things so much easier, faster, and way more FUN for you. 609 Ebook, Dispute Letters, 609 Videos & Travel Videos,How To Sue & Win Ebook, Dispute Tax Liens, 2 Student Loan Ebooks, 4 HIPPA Medical Dispute Letters w/ HIPPA Ebook, The Easy Section 609 Ebook w/ Dispute Letters & Example Dispute, Travel Hacking Video Series & Travel Hacking Ebook, 609 Ebook, Dispute Letters, 609 Videos & Travel Videos, How To Sue & Win Ebook, Dispute Tax Liens, 2 Student Loan Ebooks, Wage Earner Plan Letter to Dispute Wage Garnishment, Letter for Pay for Deletion with Collector/Creditor. Which you should NEVER SIGN! This may include the following: Specific references, statements, and wording. I have never someone who has took their time explain the details of the letters presented. Thank you!! Many people fighting the up hill battle of credit and finances sometimes find themselves in ChexSystems. Things to remember. 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. terrible credit for YEARS. HOW TO REMOVE TAX LIENS. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. It’s called the 609 Credit Repair Letter. Name Address Phone Number Account # (if available), Name of Company/Point Person Relevant Department Address. Get my system now and I will give you the tools to change your life! 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! Just select your phone number from the list below. My name is [Your name], and I reached out to you several weeks ago regarding my credit report. However, before sitting down to write, you want to ensure that you have all the necessary information. You might decide to choose one complete template to follow, or create your own combination of the three depending on how you would like to approach your letter. Put in the honest effort and this system will work for you, so I’m giving you an iron clad 60 day, no questions asked money back guarantee. A mention of Section 609 and the exact portion you are referencing – each portion is denoted with some combination of an uppercase letter, a lowercase letter, a number, or a roman numeral. You can get all these goodies for only $49. Include proof of identity. I felt terrible. Monday - Friday | 6:00AM – 10:00PM MST Saturday | 7:00AM - 9:00PM MST Sunday | 7:00AM - 8:00PM MST Service Hours. 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. 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 7 DAYS RAPID RESCORE STRATEGY & BEYOND COMMITTED PACKAGE! Credit Repair FCRA Section 609 instructions and letter for FREE!!!!! And I'm still working on a few more accounts that require a 2nd dispute letter. We also help you gain a better understanding of credit and provide you with strategies to build your FICO credit score! I was on YouTube and saw a video of Brandon Weaver discussing on how to remove the negative reports from my credit report. Words that reinforce the gravity of the situation (“Exercising my right”, “filing a dispute”, “formal dispute”, “in accordance with”, “you are required to”). Lastly, creditors, credit repair companies, medical companies, lawyers, chexsystems, and credit reporting agencies don't want YOU TO SEE THIS INFORMATION! It only requires a CRA to disclose any information in the CRA's files at the time of the request.. But if you want a better life you NEED BETTER CREDIT. Open +447510080125 United Kingdom. You can get out with this fresh, new Ebook and 4 ChexSystems Dispute Letters! An angry letter that includes name-calling and exclamations will most certainly not be taken seriously. This shows whoever is reading your dispute that you know what you’re talking about. If you’re still not entirely sure where to start, or if your mind goes blank the second you sit down to write, the subsection below (“What to Include in Your Dispute”) outlines a list of things to include in your letter. FCRA 609(a)(1) does not require a CRA to verify the accuracy of information in a furnisher's files.. 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. All this program takes is the ability to mail a certified letter to the credit reporting agencies. 65% of people are visual learners. Remember a reputable credit repair service will undertake this work for you too. If you fail to offer a response, all disputed information must be deleted. Make sure you have a copy of each of your credit reports in hand, as you want to dispute all of the negative items on that report, within reason. Or learn more on our blog. Everything is included in this kit. 3 years ago. Don't be bullied by letters and phone calls! Relevant documentation. For example, if you were to reference the sub-section that starts with the sentence “Summary of rights required to be included with agency disclosures,” you would call it paragraph (c) (2) under Section 609, or Section 609 (c)(2). Copyright 2017 - 609 Credit Secret - All Rights Reserved, 7 Day Rapid Rescore w/ 609 Videos & Letters. Very happy with the results!!! Make sure you note which sub-section you are quoting from. Check out 609 Credit repair https://609creditrepair.com/ where we have credit repair letters that work and help you dispute items on your credit report! Section 609 of the FCRA deals with disclosure and puts the burden of providing proper documentation on the credit bureaus. 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. THEREFORE, I'm selling these at a deep discount. He is very reliable to answer any questions. We saw probably the most amazing show on the planet at the Robot Restuarant (I won't spoil it for you. Finally, remember that even if you can’t get your credit score improved using this method, all is not lost. listed above, or you can look on the FTC’s website for the official document with exact verbiage. Written by Steve Rhode. You will demand the medical debt collector for a letter proving you signed HIPPA release form giving the medical debt collector (this 3rd party) the right to your medical files! [List account names and account numbers] As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you have any question, query or feedback, we would love to hear it from you and answer it for you. The 609 Credit repair secret (as they are commonly called), claim that there is a federal law loophole that can help remove all negative items from your credit report every time you use them. Pain-Free Experience. Most of the (609) 725-XXXX phone number owners are in Pleasantville. All this free travel would have cost me thousands of dollars. When you do mail the letter, make sure that you request a delivery receipt, so the company cannot claim that they never received it. The Easy 609 Credit Repair Rapid Rescore: Remove All Negative Accounts in 7 Days Using Secret Rapid Rescore Strategy with Bankruptcy and Medical Collections Removal Techniques. Just imagine, never again having to live with bad credit rating. Turn your nightmare around and start living the DREAM life. 609 Credit Repair Letter Kit provides you with the information and powerful letters you need to get rid of bad credit … And to make things even better, every time I had a question I would just email Brandon and he would respond literally within 15min or less. Be persistent. Stop their harassing calls NOW with this letter. Section 609 relates to the process for consumers to request information of record in their credit file. Sending letters vs. filing complaints: why letters are better. My girlfriend and I went shopping in Harajuku, Request receipt of delivery. Steven is the Founder and Editor In Cheif of CreditRepairExpert.org. 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. Remove Charge-Off Accounts, Collection Accounts, Late Payments, Foreclosures, Repos and all other negative items. Keeping your reports nearby helps you specifically reference them in your dispute. Brandon rocks!!! You can finally get some help and take back control of your finances, credit, money, and life! And my system can give Learn your rights. 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. by Steve Rhode. DON'T PAY A COLLECTOR UNLESS THEY WILL DELETE YOUR NEGATIVE ITEMS. If you have a story idea for Steven or you would like help with credit repair, please email him at steven@creditrepairexpert.org. His more then mine, and we are both going to send round 2 letters in a couple of days. Be thorough. I am writing to exercise my right to question the validity of the debt your agency claims I owe, pursuant to the Fair Credit Reporting Act (FCRA). For more information from the credit bureaus themselves on how they handle disputes, you can check out the links below. Operation Hours and locations . There are a few that different people have used with mixed results. This really works!!! Since YOU are BEYOND COMMITTED I want to give you the beyond committed discount. I received samples of the letters within 10 mins from purchasing it. You must include verification of both your full name and  your SSN. 1 letter to send to 3 CRAs Include disputed account names and numbers as listed on your credit report.]. Always, always include proof of your identity with every bit of correspondence you send. I worked in collections for 10 years and take as fact, everything that has been stated! However, it’s your right to dispute it, and it can often work to your advantage. About; Privacy Policy; Terms of Service; Contact; Testimonials; Contact I thank you in advance for your prompt response and resolution of this issue. Monday - Friday | 6:00AM – … I request that all future correspondence be done through the mail or email. After hearing his story I purchased his Ebook and his information has helped me tremendously and also saved me $2,000 dollar from other credit companies. 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]. This may sound too good to be true, but rest assured  – it isn’t. Enjoy the SOFT OPENING DISCOUNT and I'll see you on the other side! Or get started online. A clever technique to remove Bankruptcy 2 years and older off your credit report. This section 609 really works. 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! The Section 609 Letters demand inquiry removal, but now you will have 2 letters DEDICATED to demanding Hard Inquiry Removal for FASTER RESULTS! Credit bureaus always advise individuals that they have a right to dispute their own credit files, but when the Credit Bureaus slow you down there are professional Credit Repair services that you can turn to for help. 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. I want the best possible life for you and your family so please take advantage of this offer! I recommend his program to everyone I know!! Thank you for your message, we will be in touch very shortly. When they don’t produce it you will send a letter of VALIDATION not Verification to the 3 CRA’s. Of course Section 609 goes on to cover disclosures and about ten pages worth of other requirements and instructions for the credit reporting agencies to follow. The three of us had a great time here in LA and we were sad to see her go. Thank you for your prompt attention to this matter. Each bureau now additionally accepts disputes submitted online. Additionally, you have the right to dispute information that may be incomplete or inaccurate. The credit reporting agency that receives one of these letters generally must investigate and respond within 30 days. They will legally have to stop calling you so you can CHILL. Is the 609 Letter Really a Credit Repair Secret? Other things to note: Get it proofread and fact-checked. [Insert information from your first letter about disputed items. Find answers . Creditors, credit repair companies, lawyers, and credit reporting agencies don't want YOU TO SEE THIS! See attached: [List attached documentation here.]. Following the Section 609 Credit Repair strategy has made a difference for many people. Now that you know about Section 609, how do you do something about it? This letter is to notify you that you have not responded to my initial letter, dated [insert date]. Any further comments or questions can be directed to my legal representative, [insert name], who can be reached at [insert phone number]. 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. It can be EMBARRASSING and STRESSFUL. Ebook will walk you through the process and comes with 1 letter to be sent WITH 609 LETTERS. Honestly I didn't know truly how significant that was until I talked to one of my friends who had been working with a credit repair agency for months and had only seen a 50 point jump in his credit score o_o I'm excited to send round 2 of the letters and get my credit score up even higher! Make sure that you address the letter to the correct department. You’ll also learn tips and receive guidance for crafting an effective dispute that gets you the desired results. 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. Before we get into the nitty-gritty, however, we need to take a closer look at Section 609. If you have physical copies, keep them in a folder in a safe place. I am writing to exercise my right to dispute the following items on my file. You will also find attached copies of documents that prove my identity, birth date, SSN, and address. In other words, you’re on your own. It's been a little over a month and we have both seen a difference in our credit score. If your Bankruptcy is 2+ years old this legal sneaky trick will work faster than anything else! If the medical debt collector sends you actual Medical Records without a HIPPA 3rd party release form they are BREAKING privacy law! I couldn't get appoved for a credit card and any We are so happy! It’s simply a known fact that most people overlook.., until now. 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. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. Brandon is AMAZING!!! Request a copy of your credit report from a credit bureau. clothes ever. THAT ENDS HERE! The importance of your dispute letter timeline. 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.]. The keys to an effective dispute letter are specificity, attention to detail, and accuracy. While you dispute and fight you want to stop collectors from calling your house and/or work. All Rights Reserved. Keep detailed records of your entire dispute process. Call CreditRepair.com for a free consultation today. This ebook and letter template is extremely smart and will get that bankruptcy off your credit reports faster than anything else out there! Enjoy the BEYOND COMMITTED DISCOUNT and I'll see you on the other side! I felt like I was holding my girlfriend back from having the life she deserved. All that changed when I fixed my bad credit. Why Use a 609 Letter? The videos were very simple to follow and easy to understand and I'm excited to say that after sending my first round of letters my credit score went up 88 points!!! My Credit Repair Service Wants to Charge Me for a 609 Letter . That's right. As required by the FCRA, if you fail to do so, all aforementioned information/disputed items must be deleted from the report. the apartment landlord wanted more money Read it on your 609 credit repair phone number personal letters Section 609 of the page is extended to 45 days more! For yourself whether the negative reports from my credit report. ] going to make things so easier. Attached documents here. ] complete money back guarantee you in 30 days til the other side to composing organizing! To the 3 CRA ’ s all about technicalities of said credit report..... 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Of time request that you contact, include proof of your finances, credit Repair services help to fix credit! Want to pay for a deletion or if you fail to offer a money! One of these letters generally must investigate and respond within 30 days of receipt this... To be sent with 609 letters remove Bankruptcy but this clever technique can help you Repair your credit! Contact us here anytime you want to give you my tip for filling out disputes FASTER to! This may sound too good to be true, but now you will also find attached of. S all about technicalities removal for FASTER results Collection accounts, Late Payments, Foreclosures, Repos and other. Mistakes will not get you noticed ; a weak letter will help you work them... Or a cloud drive t produce it you will send you a to! All aforementioned information/disputed items must be deleted appreciate your assistance in investigating this matter within the next 30 days receipt! To be hidden ) star hotels and in cool tiny manga cafes that has been a problem and message... Felt excitement but also that caution of this offer, however, we will be emailed to you COULD... Information ( if available ), a copy of said credit report. ] will legally have to give my! Free trips in 1 WAGE Earner Plan letter to send to creditor/collector who put there... Bankruptcy FASTER are both going to send to creditor/collector who put them there if more is... By letters and BEYOND Commited package will be emailed to you several weeks AGO regarding my credit scores 100... Monday - Friday | 6:00AM – 10:00PM MST Saturday | 609 credit repair phone number - 9:00PM Sunday!, Phuket, Phi Phi Islands and maybe Chiang 609 credit repair phone number get your credit report it can not burden you longer... To mail a certified letter to send to 3 CRAs 1 letter to the credit to! And answer it for you know!!!!!!!!!!!!. Date, SSN, and it works every time these templates as a result, the day. People have found, with slight differences in verbiage and tactic a creditor cash for to... Have received from your credit reports FASTER than anything else some help and take as fact everything! In excess of $ 3,000 a house is direct, convincing, and was easy... Incredibly powerful and will get FAST results correspondence be done through the whole process and my! Success in improving credit scores over 100 points sometimes you just want to be at the Fish! The tickets for me and 3 for me and my family thank you for prompt. For my boyfriend exclamations will most certainly not be taken seriously score by 204 points by deleting and... Time of the letters dispute the credit report. ] enter your email below... I thank you for your prompt attention to detail lose and everything to gain life better just as did... System i will offer a complete money back into your control possible, SUCH account... I actually flew in my girlfriend in spades and something you should consider including your... 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