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.

Does section 609 really work.

Section 609 of the fair credit reporting act requires credit reporting agencies to disclose information to consumers who request it about what is in their credit reports. Building your credit score back up doesn t have to take years or even months. That s covered in sections 611 and 623 of the act. This may sound too good to be true but rest assured it isn t.

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. This may sound too good to be true but rest assured it isn t. Moreover if you have outstanding items that you believe should have been already been removed from your report such as inquiries or minor debts from decades ago a 609 letter can also help with those. Section 609 doesn t explicitly discuss your right to dispute inaccurate information but it does assert your right to a copy of all the information in your credit file.

However a 609 letter is not a loophole to get out of legitimate debts and it won t take those off. Building your credit score back up doesn t have to take years or even months. There is no such 609 dispute letter anywhere to be found in the fcra. 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.

Overall 609 letters are a good tool for those who believe they have inaccuracies and dated items that may be adversely affecting their credit scores. Does section 609 really work. Scp 609 is to be kept in individual funeste containers in an exceedingly locker by research service 5. The information in your consumer credit file not quite all source of your credit file information.

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. 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. They will be two related although does section 609 really work. What section 609 does cover however is your right to request further information about items on your credit reports.