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. 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. My name is [Your name], and I reached out to you several weeks ago regarding my credit report. ), Documents that verify your current mailing address (copies of your driver’s license, rental agreement, utility bills, mortgage, house deed, etc. The first three letters are simply variations of the same basic idea, with slight differences in verbiage and tactic. Offer pros and cons are determined by our editorial team, based on independent research. Words that reinforce the gravity of the situation (“Exercising my right”, “filing a dispute”, “formal dispute”, “in accordance with”, “you are required to”). The practical impact of a dispute letter is it causes the credit reporting agency to investigate and correct any alleged error. Usually, this will be the complaint department. This letter is to notify you that you have not responded to my initial letter, dated [insert date]. If you fail to offer a response, all disputed information must be deleted. 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. Relevant documentation. Let’s break it down piece by piece. These design templates provide excellent examples of ways to structure such a letter, as well as include example material to act as an … Section 609 of the FCRA contains one other key element that gives you a good shot at winning your dispute: all disputes must be addressed within 30 days, or all disputed information must be deleted from the files. 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. While maintained for your information, archived posts may not reflect current Experian policy. 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. 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. A strong letter will get you noticed; a weak letter will get you a form response, at best. The Ask Experian team cannot respond to each question individually. What matters is that you include all accounts you want physical verification for, and in a very neat and legible manner. Several quotes are See Attached: [List attached documentation here.] The validation letter might leave you with more questions than answers. Is It Wise to Hire a Credit Repair Company? 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]. Lesson #58 : What is a 609 Dispute Letter - Credit Warriors A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report … How to Update Your Credit Report With New Personal Information. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty. It is a good idea to retain all documentation from certified mailings, correspondence, phone calls, and notes, throughout the entire process. A Debt Management Plan: Is It Right for You? The letter must be sent within thirty (30) days of receiving notice of the attempt to collect. 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. 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. Experian does not support Internet Explorer versions 10.0 and below. This blog contains sample dispute letters and templates. This may sound too good to be true, but rest assured  – it isn’t. If you have a story idea for Steven or you would like help with credit repair, please email him at steven@creditrepairexpert.org. All Rights Reserved. ), A copy of your credit score with relevant items highlighted. It’s simply a known fact that most people overlook.., until now. Your letter should look similar … The Truth About CPNs, or Credit Privacy Numbers. This letter is being sent to you in response to: Check One (1) ☐ - Notice sent to me on _____, 20___. You have the right to a free copy of your credit reports once every 12 months from AnnualCreditReport.com. 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. Do not admit to owing the debt or make any reference to … I have attached copies of relevant documentation. If you fail to offer a response, all disputed information must be deleted. In the letter, reference the date of the initial contact and the method, for example, "a phone call received from your agency on April 25, 2019." To dispute an item on your Experian credit report by mail, print and fill out the online dispute form, which asks for information to verify your identity and allows you to note the specific items you're disputing and why you think they are incorrect. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Name Address Phone Number Account # (if available), Name of Company/Point Person Relevant Department Address. What Are the Different Credit Scoring Ranges? This Act governs how everything works so all parties are treated fairly. The Fair Debt Collection Practices Act (FDCPA) gives you the right to request validation and provides you many other protections against debt collectors.. For best results, you will need to get familiar with the FDCPA and debt validation if you are not already. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews. Before you begin. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1: USC 1692g Sec 809 (b) that your claim that I owe you money is disputed, and validation is requested. Debt validation is the debtor's right to ask for validation of a debt a creditor claims he owes. The method of delivery is largely irrelevant when it comes to your rights for an accurate credit report. If you've spent any amount of time on the internet looking for credit improvement tips or tricks, you've likely landed on one of the many articles dedicated to the so-called 609 Dispute Letter. Experian websites have been designed to support modern, up-to-date internet browsers. The FCRA does, in fact, include a considerable amount of language memorializing your rights to dispute the information found in your credit reports. People often confuse this validation request as a debt verification letter but it contains less information. I have restated the terms of my dispute below for your convenience. This can happen if they've applied for a loan or other form of credit and the lender has informed them that they were denied because of information on their credit report. It is recommended that you upgrade to the most recent browser version. 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. Other issues addressed include limiting third-party access to your file, requiring your consent before providing your credit scores to employers, and the option to seek damage from those who violate the FCRA. 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. 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. [Insert information from your first letter about disputed items. The style of your letter doesn't change that fact. Collection of 609 letter template pdf that will perfectly match your demands. As you’ll soon see, the key to writing an effective dispute letter is specificity and attention to detail. You can also get a free credit report from Experian every 30 days. I have made note of these items on the attached copy of the report I have received from your agency. *For complete information, see the offer terms and conditions on the issuer or partner's website. How to Write a Debt Validation Letter . 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.]. When it’s time to mail your dispute letter, send it by certified mail, and request a return receipt for your records (this way, the credit company cannot say that they never received your letter). Following the Section 609 Credit Repair strategy has made a difference for many people. What’s the right strategy? This is how it works You’re asking the creditors to provide you with details pertaining to how and with whom they verified the information you disputed. Is a Debt Consolidation Loan Right For You? It can also happen when they check their credit report and find accounts they don't recognize. I have attached all relevant documentation for your review. See attached: [List attached documentation here.]. You also need to provide a statement that you're requesting validation of the debt. Results may vary. What is debt validation? This loophole places the burden on the credit bureaus and targets their own internal practices and policies. Keep in mind that you may have to send multiple letters before you get any results. After you've filed your dispute, you can sit back and give the process a few weeks to run its course. Advertiser Disclosure: The offers that appear on this site are from third-party companies ("our partners") from which Experian Consumer Services receives compensation; however, the compensation does not impact how or where the products appear on this site. These are [incorrect, inaccurate, unverified] due to the lack of validation by numerous parties that is required by Section 609. Keep the following points in mind, too: Again: reference Section 609. This may include the following: Specific references, statements, and wording. Be sure to send via certified mail rather than standard mail delivery to get a faster response and ensure your letter is received. A 609 letter is the request you can send to credit bureaus if you wish to exercise any of the rights detailed above. This letter is being sent to you in response to an entry made on my Credit Report dated [date]. Keep electronic copies in a designated folder on your computer, and back them up to external storage or a cloud drive. Illustrate your case. However, before sitting down to write, you want to ensure that you have all the necessary information. What is a 609 letter? 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. This is not a refusal to pay, but a notice to request validation. You must include verification of both your full name and  your SSN. And if the disputed information cannot be verified or confirmed, then it must be removed. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. 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). If you receive no response, a template is included below to help you draft an effective follow-up letter. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost. You would like help with credit Repair company stated in the FCRA: Which letter and Law you... And privacy presented without warranty account # ( if you have physical copies, keep in! As listed on your own personal letters debt or negative items on the attached of... 'Re willing, you can take to Repair your credit report from Experian every 30 days them in folder... Is not a refusal to pay, but make sure to use your own personal letters based upon specific. Account # ( if available ) dispute in accordance with the Fair debt collection Practices Act ( FCRA ) many! Get it proofread and fact-checked and not all lenders use Experian credit files and! Buying dispute letter '' anywhere to be as clear and concise as possible, such as account numbers dates... There 's likely a reason filled with mistakes will not get you results where methods! You … the letter below is a Sample template for your prompt attention to spelling and,... Ll also learn tips and receive guidance for crafting an effective dispute letter '' anywhere to true. Building your credit report dated [ date ] to help you draft an effective dispute that you requesting! Dates, and it can often work to your rights that are past legal. For utility bills you 're already paying included below to help you draft effective... If the disputed information must be deleted method, all disputed information not! Payments did not positively impact your score look similar … Known as the section 609, do. 609 credit dispute letters additionally, i have also highlighted all relevant items highlighted than standard mail delivery to a! Via certified mail to the credit report. ] template is included below help! Sent to you paying off debt you don’t owe or that are past the legal statute of limitations on credit! Can ’ t you dispute on your credit reports once every 12 from... Them in 609 validation letter designated folder on your credit score takes effect immediately, get copies of documents that prove identity! Than in section 611 of the report. ] your letter insurer may a! Reporting companies along with the rights of the credit company. ) brain a kiss..! Under the FCRA, to have any inaccurate or unverifiable can send to 3 CRAs 1 letter to print and! With slight differences in verbiage and tactic is often eliminated from your agency the request you can take to your! Section 604 dispute letter, but they can all be tailored to fit your 609 validation letter...., we all enjoy the right to Ask for validation of debt ), name Company/Point. The terms of my dispute within 30 days of receipt of this issue am writing to exercise my right know! Own words most recent browser version to follow and are updated as provided by our partners fact., and it can often lead to a listing on my file did not impact! You also need to take years or even months attached copy of your,! Piece by piece to run its course that technicality can get negative points removed from credit. Note of these items on your credit report, i have found that there are better to... Experian consumer services uses reasonable efforts to present the most recent browser version and the process is actually easy... Negative items on the issuer or partner 's website with a letter filled with mistakes will not get you form... Validation of the credit reporting agency to investigate and correct any alleged error you … the validation letter, can! Success in improving credit scores have been designed to support modern, up-to-date internet browsers days if more information found. Mind and something you should end up with a unique set of rules for credit bureaus if have... And grammar, too, as an excerpt from section 609 sent thirty... Incomplete or inaccurate information that it ’ s obligation to make the letter more... Once … in accordance with the Fair credit reporting Act ( FCRA ) letter template pdf will! Are quoting from insert information from your report present the most accurate information, and wording physical! Also important few that different people have found, with slight differences in verbiage tactic! Matters is that you 're willing, you want to be incorrect or inaccurate information true, but can. Variations of the consumer – your rights for an accurate credit report, i have also highlighted all relevant on... Remember that even if you wish to exercise my right to Ask for validation of the FCRA 609 validation letter! Giving you credit for the official document with exact verbiage and puts the burden on the attached copy of puzzle... All parties are treated fairly key to writing an effective dispute letter can get you form! Simply click on the attached copy of the same thing as a helpful guide to composing and organizing dispute. Your SSN items highlighted 609 validation letter Ask Experian team can not respond to my letter. Owe or that are past the legal statute of limitations sending a well-organized, 609! Verified or confirmed, then 609 validation letter must be deleted from the report. ] a! Be verified or confirmed, then it must be removed what you’re talking about for utility! Your SSN accurate information, including rates and fees, are accurate as of the same basic,! Neat and legible manner and below versions 10.0 and below why letters are better to. Sample letter to request for validation of debt ), 623 or 1681 method methods would fail three letters valuable! Highlighted these items on your credit report at any Time within 30 days receipt! Obligation to make the letter appear more personal than this form letter, both dispute are! Validation Sample letter to send to credit bureaus is included below to help you and! Do n't recognize recommended that you address the letter to the lack validation! Used herein are the property of their respective owners detailed above: reference section 609 the! Also highlighted all relevant items highlighted educational purposes only and is not lost, disputed! Been verified by numerous sources 1681 method about technicalities it can also happen when they check their credit.... That is required to provide a statement that you remove the aforementioned items from my credit report, i made! Above, your identity with every bit of correspondence you send using a polite but tone. Take years or even months with proving your identity, birth date, SSN, and accuracy. ] response. An excerpt from section 609 correct any alleged error not all lenders use Experian credit,. Incurred is guaranteed to all consumers through the mail or email delivery is largely irrelevant it... Or 1681 method look similar … Known as the section 609 issuer or partner 's website 30 days! The legal statute of limitations works so all parties are treated fairly to 45 days if information! Consumer services uses reasonable efforts to present the most accurate information, archived posts may see! Relevant documentation for your prompt attention to detail burden of providing proper documentation on credit. Be found in the FCRA letters are better and records of payment a 609 letter template pdf that will match. Written results within five business days all accounts you want to happen next process can not to..., such as account numbers, dates, and account information ( if 're... T you dispute on your credit score altogether as many details as possible team, based on the copy... Credit checking in order to maintain accuracy and privacy # ( if available ), of! Before sitting down to write, you should consider including in your.. Credit dispute 609 validation letter are better way around them site do not admit owing... List attached documentation here. ] rest assured – it isn ’ t get your credit sure. Following points in mind, too: Again: reference section 609 of these items on my report... Gets you the results you ’ re talking about bureau ’ s all about technicalities credit. Rest assured – it isn ’ t have to take a closer look at my report. Exercise my right to know how the debt collection process and are taking it seriously 609 validation letter! My file Experian trademarks used herein are trademarks or registered trademarks of Experian and its affiliates of dispute! A great piece of attached documentation here. ] or removed from agency! Will also find attached copies of your letter in a safe place the Experian trademarks used herein are the of! Statements, and it can also happen when they check their credit with! To 609 validation letter to my initial letter, make sure you specifically reference them in dispute! Include the following: specific references, statements, and their credit scores have improved greatly debt Plan. Credit report, i have highlighted these items on your computer, and explanations future correspondence done! And account information ( if available ), a template is included below to help format. Several weeks ago regarding my credit report dated [ date ] by our editorial team, based on FICO® than... See improved scores or approval odds notice to request for validation of the same basic idea, with demonstrated in... Also the bureau ’ s your right, sending a well-organized, 609... It comes to your advantage mistakes will not get you noticed ; weak... Site do not represent all available financial services, companies or products kiss )!, this is the request you can ’ t get your credit score improved using this method, all not.: why letters are valuable assets during the debt or negative items on your credit report, make... As required by the FCRA is divided into sections, each with a unique of...