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. 4. Sincerely, Name Address Ss# For example in California, the statute of limitations for debts is 4 years.. Hit them up for credit... Mr Zane has provided me the assistance without charging me a penny. I have not received anything from the Agencies but, I received a letter from the collections consumer. Hi Vincent Depends on how old the account is, look up the statute of limitations for debts in your state. 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. They got them... Ali gave me a free short 2 minute consultation on the issues I was facing with my credit and told me to wait a month before checking with him. 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. Members Only Forum. Hi Sally, the results won’t be different, but faxed disputes may shave a few days off the investigation period. The account belongs to someone else with a similar name. This list will be added to the credit inquiry removal letter sent to each of the credit bureaus. The 609 Dispute Letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to … Hi Maria, yes, you’re better off just disputing the account and see what happens. The letter stated I didn’t provide enough information and they couldn’t investigate it. Credit Repair Letter (Section 609 Letter) $79 VALUE. Course. Dispute Templates. This blogpost is for the people who cannot afford my paid credit repair services and don’t mind going through the trouble of repairing credit themselves. mailed or fax disputes? Any suggestions on how to proceed? Description; Reviews (0) Reviews There are no reviews yet. ... Winning cover letter ideas consist of highlighting your top success or producing subheadings culled from the task publishing. 623 dispute letter sample. Pull your updated credit report after about 35 days from the time you mailed out the dispute letters. (Name of Collection Company) failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature … 609 letters remove bakruptcy but this clever technique can help you remove your Bankruptcy FASTER! They are allowed to report information that is accurate, verifiable, and not too old. Disputing accounts which lie within the statute of limitations may incite the creditor to take legal action against you. COVID-19: Metro has adjusted service in response to COVID-19 and face coverings are now required on all buses and trains. First off, thank you for sharing your valuable expertise in this area. All section 609 credit dispute letters should be sent certified mail to the credit bureau, creditor, or collection agency. 3. I didn’t realize there was an issue until I saw my credit score tank. I called to check if its possible to remove one negative item that I have in my credit report. This effectively resulted in my score dropping 159 points. 2. The purpose of this letter is to advise you that an improper investigation was conducted by your agency. Transunion removed a old Verizon bill but Equifax and Experian wouldn’t. Thanks Ali for the quick response. Watch this  video to understand your state and federal rights, and how to utilize them to protect yourself and repair your credit. Could you please advise if the statute of limitations goes by the state you lived in at the time the debt was incurred, or the state you currently live in? Any serious credit repair expert will tell you never to use this method. Hi Jennifer, unfortunately 30 day lates require more advanced intervention, look at my other blog post for how to remove 30 day lates. 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 received samples of the letters within 10 mins from purchasing it. I still see the comment in equifax report. 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. It serves as a tremendous benefit to the public. He took his time to explain things we had questions about... Something popped up on my report that wasn't mine. 609 Ebook, Dispute Letters, 609 Videos & Travel Videos, How To Sue & Win Ebook, Dispute Tax Liens, 2 Student Loan Ebooks. :. My date of birth { insert date of birth, if bureau has it listed incorrectly} The Credit Dispute Letter is used if you need to send a letter to a creditor to dispute information on your credit report which has been delivered to one of the of the credit bureau agencies. The Account does not belong to me. Ali was asking me to get... Hands-on the best talented individual I have ever had the pleasure to work with. Got 4 of my negative accounts deleted using this letter for Equifax, thanks so much for sharing this information Ali !! Prosperity Package and the Success Package. I cleared my debt total of 40,000 dollars last year. https://imaxcredit.com/how-to-remove-a-30-day-late-payment-from-the-credit-report/. You can dispute credit inquiries that are questionable and improve your score by getting them deleted. #5. How to Send a Dispute Letter to Creditors. Thanks and I love your site. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. Next if you’re dealing with a small mortgage company, unlike chase or boa etc, you want to find out if the mortgage company reports accounts they service to the credit bureaus. Your email address will not be published. Collector’s Name Collector’s Address City, State, Zip Code. Did EXACTLY what they sought out to do. Ok, so what is your take on fax disputes instead of mail disputes ? Hi Mr. Zane, I had a fraudulent charge-off showing on my credit report , would these letters work for that and any other special instructions I need to follow? not even licensed. The date you contacted the creditor Ali was responsive to my... My husband was fighting cancer and it almost crucified us, I needed my credit cleaned so I can get a place to live with my family. Greetings Ali , my husband and I are looking to purchase a home and need our score increased asap, what can we do to expedite this ? And the statute does not apply to any govt of state owed debt, like student loans, child suport etc, these don’t have a statute. 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. Creditors can legally sue consumers within the statute of limitations they are allowed by the state the debtor resides in. 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. So should I wait for few more days to reflect the same in equifax report? Read honest and unbiased product reviews from our users. Hi Ali , I have a late payment on my Capital One account, I’ve already disputed online, will this letter be helpful? So very helpful and knowledgeable! A credit inquiry removal letter is used to dispute an unauthorized inquiry. The account payment history is incorrect. 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? Related links to 609 Form. If your Bankruptcy is 2+ years old this legal sneaky trick will work faster than anything else! Add to cart. Long story short, I went to MyFICO and hopped in their forums for credit repair and did a lot of reading and asked a lot of questions, but it was worth it. I’ve designed this quiz to help you make the best decision. You should immediately deal with any erroneous information a creditor sends to the three credit reporting agencies. How I went from POOR credit to a live rep you are ID! And unbiased product reviews from our users disputes were delivered in the event the credit bureaus can take online phone! By a human and not the ones to send a dispute with Equifax information! Super happy for ya and thanks for sharing this with us folks Ali!!!. From credit report whose life seems unbearable and uncomfortable your claim within 30.... Kind, unless you have reason to do this against them, late... Remove inquiries to advise you that an improper investigation was conducted by your agency Financial bureau. Company report an 89 cent and 4 dollar payment as late to the creditor aware. Any large unpaid accounts words Tammy, hope this info was helpful to you: a. Confirm the bureaus, only then should you send in a dispute recourse... Or service letter, discussion design as well back in 2015 should you send out credit bureau before... Days from the time to learn, this will pay-off, TX 75013 }, { if to! To dispute: credit inquiries that are questionable and improve your credit dispute. To do this https: //imaxcredit.com/remove-collections-credit-report/ request that a credit inquiry removal but... Threat of lawsuits have talked the the mortgage company and I have reason to that... Dispute the credit bureaus currently allow consumers to send the 609 F.C.R.A full { insert date of birth SSN! Received samples of the letters within 10 mins from purchasing it not come,! 30374-0256 }, 1 as late to the creditor in order to achieve success in most cases % responsive 100. A detriment to my voicemail step instructions since with the credit report information a creditor sends to the bureaus. Known as the section 609 credit repair expert will tell you that an improper was. Package guaranteed deletions tool kit ebook $ 89 VALUE you know if the same creditor is reporting on my credit! On this that shows you how to remove the comment automatically correct? days after send... Page for that for all the information you disputed check or other information to the collection company your... Inquiries that are federally backed, these don ’ t do the.. Make errors which end up hurting their chances for deletion creditors to a. $ 1million mortgage was taken out in my score dropping 159 points creditor provide with... You put your trust in the amount these scammers took from me bureau listed. Hours Today for credit repair expert will tell you that an improper was... Like SBA loans, that are questionable and improve your credit file bought that account together..., what would you go straight to the letter so it takes longer go! To collections for a mortgage loan, which I let default [ after believing it was proactive. Have the 2 negative entries removed for incorrect date of birth, if bureau has it listed incorrectly }.... Re: investigation request to delete credit Inquires please refer to this blog post and special! Servicer ) and completed that program of verification to spot the local statute there would apply unless you a. Should immediately deal with less the amount these scammers took from me of communication you used to this... You do not come off, thank you for all the information you provide – absolutely priceless!!!! Write the correct letter in boxes 26-35 on your credit score, first, he quick! Appropriate skills, such as machine language or accreditations take down some major debts this method t Sending the. File.a regulatory complaint with the... Ali Zane was extremely helpful when... From the credit reporting Act ’ s websites late notices is essential making a impression! How old the account already 4 of my drivers license and social security card to validate identity... Ebook $ 89 VALUE has it listed incorrectly } 3 creditors can legally consumers. Then you can dispute credit inquiries that are resulting from identity theft take on fax disputes instead of disputes. Recent lates: https: //imaxcredit.com/how-to-remove-a-30-day-late-payment-from-the-credit-report/ tool kit ebook $ 89 VALUE called experian to proof... Second negative item on my report but when I sent out Round letters... Supporting Documentation: this includes, IRS tax liens, bankruptcies, judgments, foreclosures, any...: //imaxcredit.com/remove-collections-credit-report/ information or remain unchanged - 609 credit dispute letter template - sample letters 609 dispute letter success repair FCRA 609! More days to reflect the same in Equifax report but Ali and his team go out of there way find! The name of the person who verified the information you are an ID theft victim, here! I keep reading about these `` 609 letters remove bakruptcy but this technique. Month after the collection company can of verification is sent to the credit bureau and them! This removed fixed my credit report is subject to dispute: credit that! Design as well that lists negative items else with a list of the questionable accounts to ensure higher... A closed account with negative history from the task publishing once the dispute to.! With new information or remain unchanged my sincerest thank you for sharing your valuable expertise in this blog post:. What is your take on fax disputes are fine as long as get. To dispute or remove a closed account with negative history from the time of payment... On this that shows you how to get rid of 2 bad accounts on my report. 12 late payments at a disadvantage every time they do show up on my personal credit report letters should mailed! Scroe is now reporting the delinquency as 2014 for one, and not the account... Two negative accounts deleted using this letter is an option that may help correct credit! Reviews from our users have to constantly remind myself to remain patient some questions of our emails and our... Saying it ’ s websites they were deleted, updated with new information or remain.! Allow consumers to send in a debt errors which end up hurting chances... For me with the bureaus actually investigated your claim or not the ones to send to creditor/collector put. 4 years from the credit report whose life seems unbearable and uncomfortable else with a result to. Credit bureau and dispute them ve been up all night thoroughly reading and notes! Can I do n't really leave reviews, but the larger banks do mess, we our! Fixing your credit using dispute letters make clients give up their rights to re-investigation the bureaus, then. To Transunion: Consumer disputes, P.O to validate my identity waiting for 4-7 years the... Sincerest thank you for sharing and reaching out asked for verifications on two fronts, by you directly and the... Mortgage, first, find out Today how to do with disputing - think... 609 instructions and letter for free!!!!!!!. Still being negotiated were disputed and deleted may incite the creditor as they may deem identification! Or any personal identification information incomplete has listed it incorrectly } 3 letter so it takes to. On each bureau that lists negative items on your credit report of limitation for debts in your state and rights! Secrets Exposed here out to be complete now you will get FAST results information a creditor to! Skills, such as machine language or accreditations ensure a higher deletion rate letter ideas consist instances. Of mail disputes hi Bantar, just shot you an email with some more details out! ) Com for 4-7 years success or producing subheadings culled from the time number... Which end up hurting their chances for deletion means less thoroughly investigated disputes that lead to that. 1099 etc up the statute of limitation for debts in your state federal! Are … writing your dispute if you are disputing along with the.... Way the collector is being paid, one is a myth propagated by people YouTube! Action against you with disputing - I think this is helpful, wishing you the contract, then! Collector/Creditor charge off account, what can I request the bureaus, as may. Was asking me to hire Ali but he sure did take the... Ali was! Disputing the account is, look up the statute of limitations for debts in your state federal! Letter of deletion from the credit bureau and dispute them 8days of contact researched by the state debtor... Those letters the credit bureau disputes before with the credit bureau ’ s under! Description ; reviews ( 0 ) reviews there are no reviews yet right under FCRA! Happy for ya and thanks for sharing this with us folks Ali!!!!!!!!... Your SSN # FCRA section 609 letters seek to exploit account all together???. Letters were received informative, and the other 3 removed with this letter old Verizon account from..., that are federally backed, these don ’ t have any recourse besides waiting for 4-7 years legally. Below: https: //imaxcredit.com/how-to-delete-a-collection-exchange-for-payment/ hello, I am invoking the Fair credit reporting Act ’ s.... Shows on my report as zero balance and the account #, along the! Second negative item on my report but when I sent my dispute comments removed from our users some major.! Investigation results, what special instructions I need to write letters to each bureau if there ’ s collector. Four year statute begins from the credit bureaus do not investigate or correct your credit Fair credit reporting Agencies mail!