05/16/2022
Good morning!
I am about to write a 609 letter per a client's request. I don't normally do them and below is the reason why.
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A letter sent to the bureaus requesting this information is actually not a dispute, but is simply a way of requesting that the credit bureaus provide you with certain documentation that substantiates the authenticity of the bureaus’ reporting. If the credit bureaus are unable to provide the requested documentation, it could indicate that the item may be inaccurate.
Section 609 of the Fair Credit Reporting Act (FCRA) outlines a consumer’s right to order copies of their credit report and the information that appears on it. 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.
Contrary to what some might think, section 609 DOES NOT
require credit bureaus to provide proof of your accounts.
The FCRA gives you the right to dispute information you believe to be incorrect or unverifiable. Credit reporting agencies are responsible for removing any disputed information that can’t be verified or confirmed.
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However, in this time of digital documentation they usually can. I focus on what you need to do to improve your credit.
Now...off to write the 609 letter. Just because my client asked.
