Most “credit repair” companies send generic letters and hope for the best. We don’t do that. We use Section 609 of the Fair Credit Reporting Act, which requires the credit bureaus to provide original documentation proving they have the legal right to report each account. If they can’t produce it—they must delete it. We don’t argue feelings, we challenge legal compliance. That’s why our clients don’t just get temporary score bumps… they get permanent, legitimate results. | Joshua Woodcock- Credit
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Section 609 Loophole Explained in detail. What you need to watch out for when doing a 609 dispute. Need your credit reports: https://tcrs2.procredit.com Need help repairing your credit: http://thecreditrepairshop.com/credit-repair-services-3 | TheCreditRepairShop
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Should you use the so-called 609 credit repair loophole?
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This is how you dispute a collections account 😁 The 609 letter is similar to a debt verification letter you would send to a third-party collector when trying to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act. The 609 letter, however, is based on Section 609 of the Fair Credit Reporting Act (FCRA), a federal law that regulates the credit reporting agencies. As per the FCRA, only accurate and timely information may be listed on your cred
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