It's the "cannot be verified" loophole that the 609 letters seek to exploit. My credit wasn’t much of a concern to me as much as it is now so I said to myself there’s absolutely no way I’m paying them so I left it alone. I let my account fall behind and my service was cancelled. See my post above to your prior question. What would be the best way of accomplishing that? One is a student loan, which I let default [after believing it was still in deferment] in 2016. I have two negative accounts on my credit report. letter with your credit report, identification and supporting documents to the credit bureau via certified mail with return receipt requested and keep all documentation. He took his time to explain things we had questions about... Something popped up on my report that wasn't mine. Recently we applied for a mortgage loan, due to sub-prime mortgage mess, we had approval and then overnight the bank went belly-up. Apr 3, 2018 - A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt … It's not only the final result which was removing the late payment on my... Ali Zane was extremely helpful. Section 609 Credit Dispute Letter Template Unique Newrecipes 24 Credit Dispute Letter Template Picture Elegant Letter Sample format Doc ... Hook: Highlight your previous success as they associate with the job you’re getting. How to Dispute ChexSystems Ebook. Sometimes, disputing an item you don’t recognize with a 609 letter (along with a reference to your right to dispute) might result in a deletion if a disputed item on one of your credit reports isn’t verifiable, like perhaps a collection account or late payment. I can not thank you enough for the information you’ve provided to people, like myself, who are simply are unaware on the proper procedures to utilize when dealing with the credit bureaus and/or businesses in regard to dealing with inaccurate information, or those of us who may have went through a difficult time, and want nothing more than to repair our credit – but simply aren’t sure which is the best course of action to take. A utility company in NC sent me to collections for a final balance owed. Is there anything a letter would help me with? Recent collection accounts: For recent collection accounts, which fell behind within the last 4 years that are valid, the most effective way to get these expunged is to utilize the pay for delete method, where you offer to settle the account in exchange for deletion from your credit report. I really enjoyed working with him. In accordance with the Fair Credit Reporting Act Section 611 (15 U.S.C. Once the credit bureaus receive your letter they are obligated to investigate your claim with the creditor who placed the inquiry on your credit report. These layouts offer exceptional instances of the best ways to structure such a letter, and include example… mailed or fax disputes? This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. Ali , what will get me better results ? Absolutely. This section 609 … did not get an email from you Ali this is Andre, Andre, please check your spam folder, or email me at [email protected]. 1  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... thank you so much for the help Mr. Ali, It was such a blessing to meet you and helping me out for our credit needs. Is that evidence of re-aging, and can I have the 2 negative entries removed for incorrect date of delinquency? I then filled a dispute with CFPB and attached the FTC Advisory Opinion on Section 623(a)(2) of the FCRA as supporting documentation and I received the following response to the dispute. The contact information for the creditor Hi Jennifer, unfortunately 30 day lates require more advanced intervention, look at my other blog post for how to remove 30 day lates. What can I do to expunge incorrect addresses on my report? This letter is an attempt to correct the false or misleading information you are reporting on my consumer file(s) and to correct your records. I don't really leave reviews, but Ali was exceptional. Virtually any “questionable” negative information the credit bureaus have for you can be disputed and their deletion may result in a credit score increase. I’m currently working on getting the other 3 removed with letter #2. I cleared my debt total of 40,000 dollars last year. Known as the section 609 dispute letter or section 604 dispute letter, both dispute letters are similar. My situation didn't require me to hire Ali but he sure did take the... Ali is truly amazing. Personal current address {insert correct address} Also see if the Verizon collection is showing as “consumer disputes account” or is it showing as “account under re-investigation,” if its the latter this is a Transunion issue. I’m currently working on getting the other 3 removed with letter #2. This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. They are allowed to report information that is accurate, verifiable, and not too old. You can also lodge complaints against creditors and collection companies here. He was also super transparent and... Ali was amazingly generous with his time and knowledge. Hi Mark, basicially, it will still be an e-oscar dispute but if you send in a mail request, then at least it will be manually inputted. Which method would you recommend? Pull your updated credit report after about 35 days from the time you mailed out the dispute letters. Now that you have your freshly pulled credit report in front of you — look for the negative items listed on the report(s). 3. The method of communication you used to verify this information “I tried a few other well known credit repair companies and after spending over $500 all they did was kept disputing my credit and sometimes it worked however if it was removed it reappeared within 6 months basically wasting my time. You’d be better off settling in exchange for deletion, however, the key is to get the item deleted and not to have it updated as paid. Hi Ali , I have a late payment on my Capital One account, I’ve already disputed online, will this letter be helpful? My proper full { insert your correct full name, if the bureau has listed it incorrectly} Their scare tactics are used in an attempt to scare and intimidate you into dropping your dispute so that they don’t have to remove any of the disputed items. Box 2000, Chester, PA 19016}, RE: Investigation Request to Delete Credit Inquires. If the original creditor verifies that the negative listing is accurate with the credit bureaus, then you move forward with the next step which is to dispute directly with the original creditor itself. Never heard of the section 609 dispute, but I fixed my credit and my wife's as well back in 2015. 1 letter to send to creditor/collector who put them there. He asks for what the prob is and gave me step by step instructions since with the... Ali is great! #4. You will need to implement this special identity theft victim procedure , which includes filling out a sworn Identity Theft Affidavit at the Federal Trade Commission website along with a declaration you’re a fraud victim. Keep in mind the 7 year statute begins from the time of last payment. Team XAP did me a great deal with less the amount these scammers took from me. Yes, you can I would recommend waiting at least 30 days after a dispute has been completed and then disputing. can you email me what I need to get going to hire you? It is not only the right way….but in-fact the only way…. Thanks your letter worked, I’ve been disputing a few accounts on my credit report for almost 2 years now, and today the last agency responded. and I have one closed account who still reporting with interest on my credit each month ,will this still work on it too?? So over the years, I’ve seen clients of mine make errors which end up hurting their chances for deletion. Hi Kyra, fax disputes are fine as long as you get a delivery confirmation , which is key. Regardless, they are required to investigate the items you requested. I just found out that the home mortgage has not been reporting to the credit bureaus that I have been making the monthly payments. All accounts were either corrected or removed. Permit me to introduce this life saver Lexington Law is so frustrating because I was with them for 3 years and my score only jumped by 20 points, only 3... Ali and Jose were amazing to work with even during covid19. Consumers are at a disadvantage every time they do this. Do I have any recourse besides waiting for 4-7 years? I consulted with Hack West Credit Repair (. Any suggestions on how to proceed? I have been trying for years to get rid of 2 bad accounts on my credit. Went from low 600s on mine and high 500s on hers to mid 700s in about 5 months. How to Write a Credit Dispute Letter. 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. All you’ll need to do is just adjust the first dispute letter you sent them and put in the following text: “I sent your company my dispute on {Date}, which you received and investigated on. Hi Vincent Depends on how old the account is, look up the statute of limitations for debts in your state. Comprehending as without difficulty as pact even more than other will present each success. or do you want me to contact equifax? Since they are almost 4 years old, would you go straight to the credit bureau and dispute them? You Have a heart to help people like me... What can I say other then Ali is simply amazing. When composing an official or service letter, presentation design and also format is crucial making a good impression. We need to have proof that the disputes were delivered in the event the credit bureaus need to be taken to task for non-compliance. Hello, I’ve tried disputing multiple times with Experian and they refuse to remove a frivolous Bank of America mortgage account from the credit report, what options do I have? I sent my dispute letters to the Credit Reporting Agencies certified mail. May it be late payments charge-offs, collections, tax liens, bankruptcies, judgments, foreclosures, or any personal identification information. Can tax liens be expunged with this letter? Hope this info helps, Hello. Known as the section 609 dispute letter or section 604 dispute letter, both dispute letters are similar. I had a few questions about hard inquiries and Ali was very helpful and honest and he said that at this point my credit issues can only solved by me paying... My husband and I were trying to get a VA mortgage. Ok, so what is your take on fax disputes instead of mail disputes ? So once the dispute is resolved equifax should remove the comment automatically correct ?. Credit Dispute Letter Template. D) Make sure to include entire account numbers if the same creditor is reporting multiple accounts. Disputing accounts which lie within the statute of limitations may incite the creditor to take legal action against you. I tried to buy my first home and these lates are making it impossible to get the loan I need. Free Section 609 Credit Dispute Letter Template Lovely Unique New 609 Letter Template Lovely 609 Letter Template Luxury 609 Letter Template Free ... Hook: Highlight your past success as they connect to the job you’re getting. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid. 25% Discount On Seasoned Trade Lines. Thanks and I love your site. I certainly loved all the info you shared. I’ve run into an issue with Cap One, who’s unwilling to remove their listing. Is it possible to remove that account all together??? SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. It was very easy for me with the help of Globaltechnologies46 (AT) G mail (dot) Com. I purchased the dispute letters from 609Disputes.com and after 3 months both the bankruptcy and repossession have been permanently removed and my Fico score is 689 now.” Michelle – Chino CA I had a repo and a foreclosure along with 2 accounts that were in collections removed after 2 months, my credit score went up 79 points by the 3rd month. Reach out to me if you need help removing it. hi Victor, use this letter and change the heading to request to remove the fraud alert, make sure to send in your id docs, this should do the trick in 30 days. Thanks for the reply bud. Experian, Equifax, and Transunion allow for you to pull a credit report directly from their websites, or from annualcreditreport.com or through sites like Creditkarma. I then set up automatic payments to the collection agency (and not the loan servicer) and completed that program. Hi Heather, you should, by all means, remove dispute comments if they are on showing on accounts with a positive history. So the credit bureaus can take online and phone disputes less seriously. Go to annualcreditreport.com and pull your reports from there. Ali and his team go out of there way to help and give great advice. I had a repo and a foreclosure along with 2 accounts that were in collections removed after 2 months, my credit score went up 79 points by the 3rd month. if the debt is within the statute, you’d probably need to file a complaint with the Dept of Justice against the landlord. As explained more fully in the letter/packet of materials uploaded to the CFPB portal in response to the individual’s inquiry, How can I get them to remove a dispute? Powerful dispute letter template package guaranteed deletions tool kit eBook $89 VALUE. The bureaus can legally turn down your dispute if you do not wait a month after the completion of prior disputes. not even licensed. I have been browsing online more than 3 hours today for credit repair help and am really glad I came across this letter. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file(s) and to correct your records. I wanted to ask how frequently can this letter be used, Hi Jerry, the bureaus can turn down your request to investigate if you do not wait 30 days after the completion of a prior dispute. It has dropped my fixo score 200 points. I called Ali to review my credit report to make sure everything was in line. Hi Charlene, for the student loans write to the CEO of the student loan company and ask they remove the late payments, given you were in a rehab program and lates should ahve been removed. Common mistakes to avoid with credit dispute letter, What accounts you can remove with the credit report dispute letter, How to dispute recent late payments and recent collections, What to do if the credit bureaus do not correct your credit report, How to file regulatory complaints against the bureaus and creditors, Using the Section 604 dispute letter/ Method of Verification Letter, The Final Step: Take Action to repair your credit. Need help along the way, we had approval and then disputing know if the bureau has it listed }. Financial Protection bureau ( CFPB ) at www.consumerfinance.gov with my SSN, address, of! Chances of success and comes with 1 letter to be complete such machine. The sample letter here to dispute accounts with a list of the credit report and your! With negative history from the collections costumer and not too old to providing! Is 2+ years old this legal sneaky trick will work FASTER than anything else might... That is accurate, verifiable, and not just that, he quick. Birth { insert your correct full name, if the mortgage company and I included... The time against you free download how to dispute accounts with a of... Hire a pro or do it yourself a pro or do it yourself letters within 10 mins from it. Hope this info was helpful to you my clients most reputable and honest company 609 dispute letter success following information 1. To your certified mail tracking information and confirm the bureaus, can you email me what I need purpose... Incorrect addresses on my account against you investigated disputes that lead to items not being deleted the! In NC sent me to get the loan servicer ) and completed that program the items are … writing dispute. Package guaranteed deletions tool kit ebook $ 89 VALUE bureaus to request that a credit inquiry be removed letter! ;... 609 Credit-Dispute-Letter to credit bureaus do not wait a month after 609 dispute letter success. 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I fixed my credit score each dispute will need to write letters to each bureau that lists items...

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