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What Is Section 609?

Section 609 refers to a section of the Fair Credit Reporting Act (FCRA) that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Section 609, oddly enough, doesn't have anything to do with your right to dispute information on your credit reports or a credit reporting agency's obligations to perform investigations into your disputes. There is no such "609 Dispute Letter" anywhere to be found in the FCRA.

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  • 2 weeks later...
On 10/29/2021 at 8:38 AM, Ganou8900 said:

I got 2 collection I need To be removed

Sent from my iPhone using Tapatalk


I was asking what was reporting incorrectly on these trade lines, which you would have cited in your dispute letters.


There is no legitimate letter or tactic that gets negative items removed just because you don't want the information on your credit reports.

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