The Section 609

Credit Dispute
Do-It-Yourself
Letter Package

Restore Your Credit Score to 740+ Fast

Using a Clause in a Federal Law That the Credit Bureaus
Dont Want You To Know About!

The Section 609 Credit Dispute Do-It-Yourself Letter Package

The Section 609

Credit Dispute
Do-It-Yourself
Letter Package

INTRODUCTION:
Restoringyourbadcreditisnotadifficultjobifyouareready,willingandhavethe
patiencetodealwiththedelay&scaretacticsoftheCreditBureausandprovidedthatyouhave
theproperstepbystepinstructionsandtherighttoolstodoitwith.
TheattachedSection609LegalDisputeDoItYourselfLetters&Instructionsarethe
propertoolstouse.Dontletthesimplicityofthelettersandtheoftencalledoddball
instructionsfoolyou.Theywork,althoughthetimethatittakestogetpositiveresultswillvary
frompersontopersonconsideringthatsometimesitmaytake3or4roundsofsendingthe
variousletterswegiveyouinthepackagebuteventuallytheseletterswillforcethecreditbureaus
toremovethenegativeitemsthatyourequestthemto.
Inordertounderstandhowandwhythispackagewillenableyoutogetallofyournegative
itemsremovedfromyourcreditreportsyouneedtounderstandalittlebitaboutthecredit
reportingbusiness.TherearethreemainCreditReportingAgenciesreferredtoasCRAsand/or
creditbureaus.TheyareEquifax,ExperianandTransUnion.
Whenyouengageinacredittransaction(loan,mortgage,creditcardetc.)withabankor
anyothercreditortheinformationforeachoftheseaccountswillbereportedtooneormoreof
theseCRAs(creditbureaus)byeachcreditorandeachmontheachcredititemwillbereportedin
yourcreditfilewhichisindexedunderyoursocialsecuritynumber,physicaladdressandfull
name.

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The Key To Your Success is the Fact That They Do Everything Electronically!
TheFairCreditReportingAct(copyincludedinthePackage)wasputintolawpriorto
theelectronicandcomputerage.Eventhoughthecreditindustryhasbeentryingtolobby
Congresstorewritethelawtomeetcurrenttechnologystandardsitisimportanttonotethat
thecurrentversionoftheFairCreditReportingAct(FCRA)requirestheCRAstohavephysical
copiesintheirfilesofdocumentationtosupporteachaccountbeingreportedon.
Itisalsoimportanttounderstandthatthecreditorsreportallofyourcredititemstothe
creditbureauselectronically.Theydontsendcopiesofanyphysicaldocumentswhatsoevertothe
creditbureaus.IMPORTANT:Whatthatmeansisthatthecreditbureausdonotreviewandor
verifyanycreditapplications,signedcontractsoranydocumentswhatsoeverbeforetheyreport
theitemonyourcreditreport.Theyacceptanyandallcredititemsthatacreditorsendstothem
electronically.Theyacceptthesecredititemsastrueandcorrectandbelongingtoyou.
Eachmonthyourbankorcreditorsendsanelectronicfilewiththedetailsofyouraccount
toeachoftheCRAs(creditbureaus)
o

account number

date opened

date of last activity

high credit

balance

payment term

status (borrower, co-borrower, joint)

historical status (as agreed, 30 days delinquent)

amount past due

payment amount

customer information secured from the credit application

andthecreditbureaussimplyplacethisinformationintoyourcreditfilewithNOVERIFICATION
doneastowhethertheaccountisvalid,theinformationiscorrectorwhetherthecreditoreven
hastherighttoreporttheitemonyourcreditreport.
Basicallythethreemaincreditbureausgivethecreditorthebenefitofthedoubtthatthey
arereportingaccurateinformation. Whywouldtheygivethecreditorsthebenefitofthedoubt
youask?
Themainanswertothatquestionisbecausethecreditorpaysthecreditbureautoreport
theitemandthecreditoralsopaysthecreditbureauseachtimetheypullyourcreditreport.The
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creditbureausearnhundredsofmillionsofdollarsayearreportinganythingandeverythingon
yourcreditreportthatacreditorprovidesthemwith.
Creditbureausareaforprofitbusinessandtheygetpaidtoputitemsonyourcredit
reportandtheygetpaidwhenthesesamecreditorspullyourcreditreport.Creditorsareableto
chargeyouahigherinterestratethemorenegativeitemsthatareplacedonyourreport.The
problemwiththismethodofreportingisthatANYCREDITORcanessentiallyreportwhateverthey
wantaboutyouwhetheritiscorrectornot.Thereisamajorconflictofinterestgoingonhere
dontyouagree?
TheFederalGovernmentsawabigproblemwiththismethodofreportingsotheythought
thattheysolvedtheproblemwhentheypassedwhatisknownastheFairCreditReportingAct
(FCRA).ItwassupposedtoprotectyouandIandgoverntheactivitiesofCreditReportingAgencies
andregulatehowtheyreportinformationaboutyou.Itsoundsgoodintheorybutreadontofind
outwhyitisnotworking.
IfyoustudythisFederallawandalsostudythecaselawestablishedinvariouscourtcases
pertainingtovarioussectionsoftheFCRAyouwillseethattheFCRArequiresthatallCredit
ReportingAgenciesAreSupposedtoVERIFYALLINFORMATIONreceivedfromcreditorsBEFORE
thisinformationisaddedtoyourcreditfile.
Properverificationaccordingtoestablishedcaselawinvolvesthecreditbureauhaving
copiesoftheoriginalsignedcreditapplicationintheirfiles.Theyarerequiredtohaveacopyof
thecreditapplicationthatyousignedwhenyouopenedthecreditaccountwiththecreditorin
theirfiles.Theyaresupposedtohaveitintheirfilestoshowthattheyverifiedtheinformation
andaccountbelongstoyouandtoshowthattheyverifiedtheinformationbeforetheyplacediton
yourcreditreport.
Thetruthofthematteristhecreditbureausdontreviewanydocumentsletalone
keepacopyofyourcreditapplicationintheirfiles.TheyNEVERseeanydocuments.Theydont
wanttoseeanydocuments.
NOTE:ForthoseofyouwhohaveeverattemptedtoreadtheFCRA(FairCreditReporting
Act)toseewhereitstatesthatthecreditbureausaresupposedtohavedocumentsonfilethat
verifytheaccuracyofeveryaccountreportedinyourcreditfileIdonthavetotellyouthatthis
federallawlikemostlawscomingoutofourUnitedStatesCongressareclearasmud.They
areobviouslywrittenbygiftedattorneyspaidbylobbyistsworkingonbehalfofthebigbanks
andthecreditreportingagencies.Ourcongressmenandwomenwhositonthecommittees
thatdraftuptheselawsobviouslydontreadthelawsaftertheyarewrittenbytheseattorneys
toseeifthelawthattheydraftedarewrittenthewaytheydraftedthem.TheFCRAlawisabout
aseasytoreadasthetaxcode,dontyouagree?
Tohelpyoumaneuverthroughthemudwehaveoutlinedwheretolookinthe86page
documentcalledtheFairCreditReportingAct(acopyofwhichisincludedinthispackage).In
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fact,wehavebrokenitdownto4paragraphs(alongwithourparaphrasingofthosepages)to
helpyouunderstandwhereitsaysinthelawthatthecreditbureausaresupposedtohave
writtendocumentsintheirfilesthatverifytheaccuracyoftheaccountsitreportsinyourcredit
files.AndFYIthereisalsoimportantcaselaw(CourtDecisions)thatwebaseourparaphrasing
on.
These 4 paragraphs noted below (along with our paraphrasing)
Revealwhytheseletterswork.
1.
Page35:609.Disclosurestoconsumers[15U.S.C.1681g](a)Informationon
file;sources;reportrecipients.Everyconsumerreportingagencyshall,uponrequest,andsubject
to610(a)(1)[1681h],clearlyandaccuratelydisclosetotheconsumer:
Paraphrase:Theinformationinthecreditbureausfiles(notthecreditorsfiles),mentioned
above,istheinformationthattheystoreintheircomputerbaseoneveryconsumer.Then
610(a)(1)[1681h]identifiestheproperidentificationrequired(driverlicenseandSScard)+a
writtenrequestbytheconsumer.Basicallyitsaysthatifaconsumerasksthecorrectway,in
writing,andhasproperlyidentifiedthemselves,the3bureausarerequiredtodisclosetothe
consumerexactlywhatdocumentsarestoredwithintheircomputerbasethatwereusedtoverify
theinformationthatisbeingreportedonthem.Theyrefusetoshowyouanythingbecausethey
donthaveanythingintheirfilestoshowyou.Insteadtheytellyoutorequestthesedocuments
fromtheoriginalcreditor.
2.
Page37(2)Summaryofrightsrequiredtobeincludedwithagencydisclosures.A
consumerreportingagencyshallprovidetoaconsumer,witheachwrittendisclosurebytheagency
totheconsumerunderthissectionParaphrase:Thissaysthesamethingasabovetheywill
disclosetheinformationrequestedtotheconsumer.
3.
Page37(2),(E),astatementthataconsumerreportingagencyisnotrequiredto
removeaccuratederogatoryinformationfromthefileofaconsumer,unlesstheinformationis
outdatedundersection605orcannotbeverified.
Paraphrase:Thereare2instancesrevealedinsubsection(2),(E),wherebyaccurate
derogatoryinformationcanberemoved.1.)IftheInformationisoutdatedinSection605.For
example,aBankruptcy7willstayonaconsumer'sbureaufor10years.Afterthe10years,this
creditfilewillexpireordropofffromtheircreditreport.Collections,Chargeoffs,Repossessionset
al,havealifespanof7yearsbeforefallingoff.2.)TheinformationCannotbeverified.
Verificationisthefocalpointofthedeletionprocess.Verificationisavaguetermbutisdefinedin
thetermssectionofthisdocumentonpage7.
4.
Page7(2)Verification(B)oftheinformationintheconsumer'sapplicationforthe
creditorinsurance,todeterminethattheconsumermeetsthespecificcriteriabearingoncredit
worthinessorinsurability.
Paraphrase:Thisisaboutasclearasmud.Itwasobviouslywrittenbyagiftedattorney.Although
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(B)dealswithcreditandinsuranceforourpurposeshereweareonlyconcernedwiththecredit
portion.(2)(B)istheCREDITAPPLICATION!Ifyoulookclosely,itsaysthatitisthe"information"in
thecreditapplicationthatitusestodeterminewhethertheconsumermeetsthelending
guidelines.
HowItisSupposedtoWork:Forexample,let'sassumeyouaregoingtopurchaseacarandfinance
thatcar.WhentheCreditdepartmentofthatcardealershipfundadealwithalender,thedealer
surrendersthe2mostimportantfundingdocuments:thecontract+thecreditapplication.Once
thelenderissatisfiedwiththeseandthenecessarysupportingdocuments,thelenderfundsthe
loan.Thelendernowhastheresponsibilityofreportingthisconsumer'sfiletothe3credit
bureaus.
5.
Thelenderissupposedtosendthecreditapplicationtothe3creditbureausto
properlyverifythatthisisthecorrectcustomer.Thisverificationpieceisimportant.It'simportant
becausethedealershiphastocomplywiththePatriotActandotherimposedregulationsto
properlyverify,bysecuringacopyoftheconsumersDriverLicense,thatthepersonsigningthe
contract+thecreditapplicationisthepersonthatwasproperlyidentified.
Also,thelenderusedthiscreditapplicationasproofthattheconsumergavethecreditortheright
topulltheconsumerscreditfileandcheckontheperson'sjob,income,residence,references,and
thenapprovetheloan.Thecreditapplicationistheverificationpiece.
Thelenderthen,onamonthlybasis,sendsitsgiganticemailbatchfiletothe3creditbureausfor
everyoneoftheirloans.Inthisgiantfile,itcontainstheinformationoneveryconsumerthathasa
loanwiththem.Thelendersendsexactlywhatyouseeprintedonthecreditbureaureport.The
sentinfoincludes:
o

account number

date opened

date of last activity

high credit

balance

payment term

status (borrower, co-borrower, joint)

historical status (as agreed, 30 days delinquent)

amount past due

payment amount

customer information secured from the credit application

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Theproblemis.Eventhoughthelawrequiresthecreditreportingagencytoverifyeveryaccount
itreportsonbeforereportingonitthefactisthelendernever,ever,ever,sendsthecredit
applicationtothe3creditbureaus!Nolenderseversendthecreditapplicationthereforethecredit
bureauNEVERverifiesanyofthisinformation.InsteadofsendingtheCRAacopyofthecredit
applicationtobeverified,thecreditorpullsthecreditfileoftheconsumerandthecreditorverifies
theinformationthattheconsumerputsonthecreditapplicationthemselves.Theverification
processwasdonebackwords.
Thelawrequiresthecreditreportingagencytoverifythecreditinformationnotthe
creditor.Thisbeingthecase,anythingthatisincludedinyourcreditbureaufilecanberemoved
ifyourequestthecreditreportingagenciesrighttoreporttheitembyforcingthemtoshowyou
theproofofverificationthatissupposedtobeintheirfiles.Youcaneffectivelyremoveboth
validnegativeitemsaswellasinvaliditemsthisway.
AccordingtotheFCRA,ifacreditfileisgoingtobereportedonaconsumer'sreportithasto
beproperlyverifiedbythecreditbureau.Eachitemincludedinacreditreporthasaverification
piecebut,thebureausneverhaveit.TheFCRAstatesthatthebureausaretheonesthathaveto
keepthisverificationonfileeventhoughthebureauswilltrytotellyoutogodirectlytothe
creditorandrequestthisinformationinsteadofaskingthecreditbureauforthedocumentation.
Thisisnotgoodconsideringthelender,anunscrupulouscourtemployee,oracollection
agencyordebtbuyercouldreportanythingtheylikeonyourcreditreportinanattempttogain
leverageagainstyoutocollectonanallegeddebtortojustifytoyouwhytheyarechargingyoua
higherinterestrate.TheSection609CreditDoItYourselfDisputelettersusedtodisputeyour
negativecredititemsaredirectedtowardsthe3bureausnotthecreditor.
Wedontcarewhatdocumentsthecreditorhasintheirfiles.Ourstanceisthataccording
toSection609oftheFCRAandbackedupbythevariousestablishedcaselawcreditbureausare
requiredtosendmeacopyofthedocumentsthattheyusedtoverifytheaccountIamdisputing.
Iftheydonothaveacopyofthedocument(s)usedtoverifymyaccountthenthatmeansthatthey
didnotverifytheaccountandtheFCRAstatesthattheyarerequiredtodeleteallunverified
items.
WhydontthecreditbureauskeepfilesiftheFCRArequiresthemto?Because
reviewingmillionsandmillionsofpaperdocumentsandthenkeepingtheminfilesontheirlocation
priortoreportingtheaccountinyourcreditfilewouldbeextremelydifficultandtimeconsuming
andwouldcostafortuneinmanpowertodoit.Soratherthangotothisgreatexpensethey
insteadsetupanelectronicreportingsystemandrelyonacreditortosubmitdocumentationto
youifyouchallengeanyoftheitemsonyourreport.Again,itallsoundsgoodintheoryBUTit
doingitthiswaydoesNOTcomplywiththecurrentlaw.
TheCreditReportingAgenciessimplyhavechosenNOTtoverifytheaccountsinthe
mannerthatthelawwaswritten.Theyhavenevercompliedwiththelawandhavegottenaway
withitandtheirattitudeisthatwehavemanagedtogetthelawwrittenusingconfusinglegalese
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andwehavelobbyistswhokeeptheFTC&CFPBfromhavingtoprovideconsumerswith
interpretationsofvariousclausesintheFCRAsoweareOK.Theirattitudeisifthereareafew
peoplewhofiledisputesandrequestproofofverificationandwhocontinuetochallengeus
afterweuseourscaretacticsanddelaytacticswellsimplyadheretotheirrequests.
Noexchangeoforiginalsignedapplicationdocumentsevertakesplacebetweenthe
creditorandtheCreditBureau(CRA). TheCRAjustreportstheinformationprovidedbyyour
creditorandfalselyassumesthatitisvalidandcorrectsimplybecauseitisbeingreportedto
them.AndwhenaskedtoVERIFYtheinformationtheCRAwillsimplysendanelectronic
communicationtothecreditoraskingisthisinformationcorrectandthecreditorwillusually
respondyesthisinformationiscorrect.ThentheCRAwillsendyoualetteroracopyofyour
creditreportwithanotationthatwillsay,Wehaveresearchedthecreditaccount.Theresults
are:wehaveverifiedthatthisitembelongstoyou.
The Truth is, NO ONE AT THE CREDIT BUREAU EVER ACTUALLY VERIFIES
THE ACTUAL CREDIT APPLICATION OR ANY OTHER DOCUMENTATION.
Thisisthedirtylittlesecretthatthecreditbureausdontwantyoutoknowabout.
Howdoweknowthatthisisthewaytheydealwithdisputes?Weknowthisbecausewe
havereadthetranscriptswhereemployeesforvariouscreditbureaushaveadmittedunderoath
thatthisishowitisdonewhentheytestifiedunderoathinvariouslawsuitspertainingtothe
FCRA.(NOTE:Acopyofoneofthetranscriptstestimonyfromonecourtcaseisincludedinthis
package.)
Wereyouawareofthis?Ifyouansweredno,dontfeelbad.MostconsumersHAVENO
IDEAthatthisishowcredititemsareverified.TheCreditReportingAgenciesareinviolationof
FederalLawwhentheydothisandtheyknowtheyarebutsince99.9%ofconsumersdonotknow
theirrightstheydontdoanythingaboutit.Whyshouldtheygotoallthatexpensewhenthey
donthaveto.
Notonlythat,tomakemattersworsetheFTC(FederalTradeCommission),whichis
supposedtoregulatetheCreditBureausandenforcetheFairCreditReportingAct,refusestostep
inwhenyoufileacomplaintwiththemorcomplainthatthecreditbureaurefusestosendyou
copiesoftheverification.
Today,ifyoufileacomplaintwiththeFTCtheywillsendyouaformletterthatstates,
Wecannotactasyourlawyerorinterveneinadisputebetweenaconsumerandacreditbureau
orbetweenaconsumerandacreditororfurnisherofinformation.Theprivateenforcement
provisionsoftheFCRApermittheconsumertobringacivillawsuitforwillfulnoncompliancewith
theAct.
TheywillgoontoinformyouthatifyouchoosetosueacreditbureauthattheFCRAallows
youmayreceiveactualdamagesand/orpunitivedamagesupto$1,000peroccurrenceforthe
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creditbureauswillfulnoncompliancewiththeAct(Section616)aswellasfornegligent
noncomplianceandyouwillbeabletorecoveractualdamagessustainedbyyou(Section617)and
thatattorneyfeeswillbeallowedforbothformsofyourcivilactionifyouwinthelawsuit.Even
thoughtheFTCissupposedtoexisttoprotecttheconsumerandtoenforcetheFCRAtheywilltell
youthattheycantforcethecreditbureaustocomplywiththelawbutinsteadsuggestthatyou
consultwithaprivateattorneyifyoufeelthecreditbureauisnotcomplyingwiththelaw.
Onthesurfacethisisverydisturbinganddiscouragingdontyouagree?Wellitisandit
isnt.Letmeexplain.ThetruthofthematteristhatthecreditbureausareBIGforprofit
corporationsthathavesetuptheirownwayofdoingbusinessandhaveindoctrinatedthemasses
andlobbiedthevariousgovernmentofficialsintobelievingthattheyaredoingeverythingcorrect
andaboveandbeyondwhatthelawrequiresthemtodo.
Whydotheygetawaywithit?Theygetawaywithitbecausehardlyanybodyever
challengesthem.Butguesswhat,thecreditbureausbackoffwhensomebodychallengesthemthe
rightway.Theydontwanttogetsuedandhavetogototrialthereforetheyveryseldomforce
youtosuethembeforetakingthenegativeitemsoff.Notbecauseitwillcostalotofmoney.Heck
moneyisnotaproblemforthem.Theyhavethemoneyandresourcestodragalawsuitthrough
thecourtsystemforyears.
Theydontwanttoriskthepublicityandhavethemassesfindoutaboutthisespecially
duringthebankingandmortgagecrisiswearegongthroughnow.Theyknowthatiftheygetsued
andthecasegoestotrialtheywillloseandthentherewillbecaselawontherecordthatcouldget
theattentionofhordesofattorneysacrossthecountryandthentheirentirebusinessmodelwould
beinjeopardy.
Thegoodnewsis,ifyouchallengethecreditbureausrighttoreportanaccountandshow
themthatyouknowyourrightstheywillcomplywithyourrequestsassumingyoucangetyour
lettersthroughtoarealhumanbeing.(Moreonthatlater.)Afterall,thenumberofpeoplewho
knowhowtodoaproperdisputebasedonsection609therightwayarefewandfarbetweenso
whentheyreceiveavaliddisputebasedonsection609theyquietlycomply.
Itsnotabigdealtothemconsideringyouareagrainofsandonthebeach.Aslongasyou
servethemwithavaliddisputeinwritingandyoudontgiveupafterreceivingtheirstandard
delayorintimidationreplythattheyhaveverifiedtheitemasbeingvalidyouwillbeoneina
millionsoyouarenothreattotheirbusinessmodelsotheywillquietlyremovetheitemsthatyou
requestthemto.
Valid Negative Credit Items vs Invalid Items:
Thecreditbureauspropagandamachinehasindoctrinatedthemassesintobelievingthatit
isimpossibletogetaccuratecredititemsremovedfromyourcreditreportbutthetruthofthe
matteris,thatisfalse.Aswediscussedearlier,thelawisasclearasmudbut,Page37(2),(E),a
statementthataconsumerreportingagencyisnotrequiredtoremoveaccuratederogatory
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informationfromthefileofaconsumer,unlesstheinformationisoutdatedundersection605or
cannotbeverified.thisclauseintheFCRAclearlystatesthattheyarerequiredtoremove
accurateinformationifitcannotbeverified.MostpeoplefalselybelievethereisNOHOPEin
removingvalidderogatoryinformationfromtheircreditreportandessentiallygiveup.But
nothingcouldbefurtherfromthetruth.
WithThe Section 609 Credit Dispute Do-It-Yourself Letter Packageandourstepbystep
setofinstructions,itdoesntmatterwhetherthenegativeaccountisvalidornot.Theletters
workbecauseitdisputestheCREDITREPORTINGAGENCIESRIGHTTOREPORTTHENEGATIVE
andNOTwhethertheaccountisvalidornot.
UndertheFCRA,CreditReportingAgencies(CreditBureaus)mustprovideacopyofthe
verifiableoriginalcreditordocumentationifitisrequestedproperlybyyoutheconsumer.Since
theycannotprovideproofofverificationtoyouintheformofaphysicalcontractdocumentper
yourwrittenrequesttodosotheaccountisclassifiedasUNVERIFIEDandundertheFCRAall
UNVERIFIEDaccountsMUSTBEDELETED.Whethertheaccountiscorrectornotmakesno
difference.IftheCRAcannotprovideyouphysicalverificationoftheaccountitisanUNVERIFIED
accountandMUSTBEDELETED.
ThisisWHYandHOWThe Section 609 Credit Dispute Do-It-Yourself Letter Packageworks.
Keepinmindthetimeittakestogetthemtoremovealloftheitemsthatyourequest
willvaryfrompersontoperson.Onepersonmaysendletter#1andgetvirtuallyallofthe
negativeitemsremovedinlessthan30days.Anotherpersonmaysendletter#1andonlygeta
fewaccountsremoved.Ora3rdpersonmaysendoutletter#1andgetthecreditbureausstandard
denialformletterortheirintimidationdenialletter(moreonthislater).
Regardlessoftheresultsyougetitisimportanttobediligentandpersistent.Ifafterthe
firstroundofletter#1sthereisstillderogatoryinformationremainingonyourcreditreportthen
yousimplysendthenextletterthatwegiveyouinyourpackageandemphasizingthatitisyour
2ndWrittenRequestforthemtosendyoucopiesoftheirverifiableproofthattheaccountin
questionorhavetheitemdeletedaspersection609.
Eventually,youwillfindthatallofyourderogatoryaccountswillbegintodisappear.For
somepeopleithappensquicklyandisquiteeasyandforothersitcanbeafightandtakemuch
longer.Why?
IMPORTANT:Thereasonwefoundthatthetimeittakestogetyourdisputeditems
removedvariesfrompersontopersonisbecausemostdisputelettersnevergetreadbyareal
human.Thetrickistogettheletterreadbyarealhumaninsteadofacomputer.Hereshowit
works:
Initiallyyourdisputelettergoestoahumanbuthe/shedoesntreadit.Theyonlyopen
theenvelopeandthenrunthepageorpagesthroughacomputerizedscanner.Thescanning
machinedoesanopticalrecognitionofthewordsinyourletter.Ifyourletteristypewrittenthen
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thenameofthecreditorandtheaccountnumbersthatyouaredisputingcanbereadbythe
computerandtheyarecomparedtothecreditornameandtheaccountnumbersinyourcreditfile
andiftheymatchupthenthecomputerautomaticallysendsyouaformletterstatingthatthe
accountinformationhasbeenverified.Whambamcaseclosed.
Mostpeoplegiveupaftertheyreceiveareplyfromthecreditbureauthatstatesthatthey
haveverifiedtheaccounttobeaccurate.Thatiseasytodoright?Consideringthatyouknowthat
theaccountbelongstoyou.Mostpeopleareexpectingthiscreditdisputeprocessnottoworkso
theyquitassoonastheyreceivethisreplyfromthecreditbureau.Thatswhatthecreditbureaus
wantyoutodo.DontQuit!
Sothekeyistomakesurethatyourdisputelettergetsrejectedbythecomputerand
passedontoarealliveperson.Sohowdowedothat?
Wesimplyrecommendthatyouhandwriteinthecreditorsnameandaccountnumbers
ratherthantypetheminonyourletter.(Seesampleletterinyourpackagethatillustrateswhatwe
mean.)Nowhandwritingthisportionoftheletterdoesnotguaranteethatthehumanwhoisgoing
tolook(noticeIsaidlooknotread)atyourdisputeletterisgoingtoautomaticallydeletethe
itemsthatyouaredisputingbecauseheorsheseesthatyouaredisputingtheirrighttoreport
nottheaccuracyoftheitem.
Withoutgettingintoawholelotofdetailofthedutiesandrestrictionsputonemployeesat
thecreditbureausandtomakealongstoryshortitssufficetosaythatthesepeoplehavetodeal
withthousandsoffileseachdaywhichmeansthattheycanonlyspendafewminutesperfileif
theyaregoingtomaketheirquotaeachday.Soeventhoughyougotyourdisputeletterpastthe
computerandintothehandsofareallivepersonthesepeoplemaystillignoreyourletterand
automaticallygetthecomputertosendyouanothertypeofformletterwecalltheIntimidation
FormLetterRejection.Experian,EquifaxorTransUnionmaysendyouacommunicationsaying
somethinglikethis:
Wereceivedasuspiciouslookingrequestregardingyourpersonalcreditinformationthat
wehavedeterminedwasnotsentbyyou. Wehavenottakenanyactiononthisrequestandany
futurerequestsmadeinthismannerwillnotbeprocessedandwillnotreceivearesponse.
Oryoumayreceivealetterbackfromthemthatasksyouifyouaredoingbusinesswitha
creditrepaircompanyorwhetherornotyoupaidacompanytohelpyoudraftupyourdisputeletter
andtheymayaskyoutofilloutaquestionnaireandreturnittothembeforetheywillreviewyour
dispute.DONOTFILLOUTANYTHINGandreturnittothem.ONLYUsethelettersinthispackage.
Thesetypesofintimidatingresponsesaredesignedtodiscourageyouandorscareyouinto
believingthatyouaredoingsomethingwrongandgetyoutoabandonyourdispute.CreditBureaus
donotlikeitwhenconsumersfiledisputesbecauseitcoststhemtimeandmoneytodoitevenif
theyjustmailyoubackarejectionformletter.Theygettensofthousandsoflettersadaywhich
translatesintohundredsofthousandsofdollarstodealwiththem.Thesoonertheyscareyouaway
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ordiscourageyouawaythebetteritisfortheirprofits.
Tofurtherscareyouintosubmission,theymayalsoincludesomethinglikethis:

Suspiciousrequestsaretakenseriouslyandreviewedbysecuritypersonnelwhowill
reportdeceptiveactivity,includingcopiesoflettersdeemedassuspicious,tolawenforcement
officialsandtostateorfederalregulatoryagencies.
DO NOT BE FOOLED or INTIMIDATED BY THIS!!!
These are nothing but scare tactics to intimidate you into giving up.
IfyounoticewitheachoftheSection609DoItYourselfCreditDisputeLettersyouare
includingacopyofyourDriversLicenseandorpictureIDcardandacopyofyourSocialSecurity
Card.Why?
Because,Section610(a)(1)[1681hoftheFCRAstipulatesthatacreditbureauisonly
requiredtorespondtoadisputefromaconsumerifitisinwritingandiftheconsumerproperly
verifiesthattheyarewhotheysaytheyareusingproperidentification.Acopyofavaliddriver
licenseshowinganaddressthatmatchesupwiththeaddressshowingonyourcreditreportanda
copyofyoursocialsecuritycardareconsideredvalididentification.Byprovidingallofthis
information,thereisnoquestionwhatsoeverthatYOUaretheonemakingthewrittenrequest.
IMPORTANT:Makesurethattheaddressshowingonyourdriverlicenseisthesame
addressthatshowsuponyourcreditreport.IfitdoesntthenIhighlyrecommendthatyougo
downtotheDMVandtellthemthatyoulostyourdriverslicenseandorderanewonewiththe
properaddressonit.Ifyoudonttellthemthatyoulostyouroldcardtheywillsimplyissueyoua
changeofaddresscardwhichthecreditbureausmaynotacceptthereforeitiswisetohaveyour
properaddressshowingonthecarditself.Sometimesiftheaddressonyourdriverslicense
doesntmatchupthentheywillacceptacopyoftwoutilitybillsthatshowyournameandaddress
thatmatchesupwiththenameandaddressshowingonyourcreditreport.
AlsonotethatifyoudonothaveacopyofyourSSNcardmakeacopyofapaystuborW2
formthatshowsyournameandSSNonit.
BeforestartingthedisputeprocessyoushouldgodowntotheFedExStoreoryourlocal
copycenterandgetabout1215copiesmadeupwithbothyourdriverslicenseandSScardsothat
youhavethemavailablewhenitistimetostartmailingdisputelettersandorrespondingtotheir
delayorintimidationletters.
Remember,ifyoudohappentogetsomeresistancefromtheCreditBureausdontbe
alarmedandDONOTgiveup.Theydontplayfairandveryseldomdotheycomplyafteronly
receivingyourfirstletter.Iftheysendyouarejectionletteroranintimidationletteraswe
discussedearlierjustsendthenextletterinourpackageandremindthemitisyour2ndRequest!
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The Section 609 Credit Dispute Do-It-Yourself Letter Package

IftheysendyouaformtofilloutandreturntothemDontfilloutanyformsandreturnit
tothem.Onlyusethelettersthatareinthispackage.KeepsendingthelettersDEMANDINGthe
CreditBureaueitherprovidetheverifiableprooforDELETEtheitem.Itmaytakeafewlettersand
determinedpersistencebutallunverifieditemsmustandwillbedeleted.
IntheextremecasewheretheCRAstrytoignoreyourmultiplewrittenrequests,youcan
filealawsuitandsuetheCRAfordamagesundertheFairCreditReportingAct(FCRA)and/orfilea
formalcomplaintwiththeFederalTradeCommission(www.ftc.gov)forviolationsoftheFCRA.You
canfileyourcomplainthere:
https://www.ftccomplaintassistant.gov
Ifyournegativecredititemsarenotremovedaftersendingthemall4ofthecreditdispute
lettersthatareincludedinthispackagepleasecontactusat:
info@creditandfundingsolutions.com
Wellreviewyourfilesandbasedonhowyouhavebeentreatedbythecreditbureaus
wellcustomizeafifth&finalletterforyoutosendthemandorwillrecommendonwhetheryou
shouldfilealawsuitinsmallclaimscourtandorinFederalCourt.Youcanaccessinformation
including,alistofconsumerrightsattorneys,samplelawsuitpleadingsandcopiesofcaselawat:
http://SueCreditBureau.com
Uptonowtheonlypeoplewhoreporttousthattheyarenotgettinganyoftheirnegatives
removedarepeoplewefindoutthatdidNOTmailouttheirletterscertifiedmail.Makesurethat
youmailoutallofyourletterscertifiedmail.
Onemorething.ItisrecommendedthatyouDoNotApplyForanyadditionalcreditduring
thedisputeprocessanddonotallowanybodytopullyourcreditduringthistimeeitherUNLESS
itisabsolutelynecessary.
Ifyouarepresentlyindebtandareunabletomakeallofyourmonthlypaymentstoanyor
allofyourcreditorsthenyouneedtoknowhowtodealwiththesecreditors.Thisiscriticalnot
onlytothecreditdisputeprocessbutitiscriticalthatyounotspeaktoanydebtcollectoroverthe
phone.Youmustonlycommunicatewiththeminwriting.
Ifyouonlycommunicatewiththeminwritingandyoudoitproperlythenthereisan
excellentchancethatyouwillbeabletowalkawayfromthatoutstandingdebtwithoutgetting
suedandwithouthavingtopayanyofthemoneyback.Ifyouareinthissituationthenyouneed
togetyourhandsonanothertoolthatwillprovideyouwiththeproperwrittenletterstodeal
withthedebtcollectors.Goto:

http://www.DebtEliminationTools.com/BillCollector.html
GotonextpageforStepbyStepInstructions.
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The Section 609 Credit Dispute Do-It-Yourself Letter Package

Step-By-Step Instructions:
UnderFederalLaw,onceperyearyoucanreceiveaFREEcreditreportfromeachofthe
threemainCreditReportingAgencies.
Step 1:

Pull a Credit Report from Experian, Equifax & TransUnion.

Go to: http://www.annualcreditreport.com togetcopiesofyourFREEcreditreports.If

youareluckyyouwillbeabletoaccessallthreecreditreportsonlineimmediately.ButBeware.
Youronlinerequestmightgetdeniedbecausetheysaythattheycannotverifythatyouarewho
yousayyouare.Ifthatisthecase,dontgiveup.Simplyprintouttheformthatcomesuponyour
screenandfillitoutandmailittotheaddressthatisontheformandincludeacopyofyourdrivers
licenseandSScardasproofofidentification.Itwillonlytakeafewdaysandyouwilleitherreceive
acopyofyourcreditreportinthemailandortheywillemailyoualinktogotothatwillenableyou
todownloadacopyofyourreport.
(Note:ifyouhavealreadyusedyourfreereportfortheyearyoumayhavetopurchasea
newreport)
Step 2:
Review Each Credit Report & Identify All Of The NEGATIVE
Items That You Want To Be Removed. Make a List: (See sample below)
NameofAccount:

AccountNumber:

1. ChaseBank

533376304023

2. BofA

424492101261

3. PalisadesCollection

PAL3CHSARB8275

4. etc
NOTE:Thenegativeaccountsthatyouwanttohavedeletedareeasytofind.Usuallythere
willbeasectiononyourcreditreporttitled:TheFollowingAccountsthatmaybeconsidered
negative:
NOTE#2:Theaccountnumberslistedforeachaccountshownonyourcreditreportare
alwayspartialaccountnumbers.Dontworry.Thatisallyouneedtowriteontoyourdispute
letters.SimplywriteinthesamepartialaccountnumberbesidetheNameofAccountasperthe
illustrationabove.
AfteryoucompileyourlistyoullbeHandWritingboththeNameofAccountandthe
AccountNumberontotheletter.Remember,thatisimportantifyouwanttogetyourdispute
letterseenandreadbyareallivepersonwhichincreasesthechancesofgettingthenegativeitem
removedwiththefirstletteror2ndletter.

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The Section 609 Credit Dispute Do-It-Yourself Letter Package

Afteryouhavecompiledyourlistofnegativesforeachcreditreportyouwillneedtoopen
theSection609CreditDisputeDoItYourselfLetter#1forthefirstcreditbureau.Dothisonecredit
bureauatime.
NOTE#3:BeforeyoustartIrecommendthatyoucreate3separatefoldersonyourcomputer:
1. Experian
2. Equifax
3. TransUnion
Thencopyeachoftheletters#1,2,3and4intoeachofthefolders.ThenletsstartwithExperian.Open
theExperianfolderandthenopenLetter#1Experianinsidethefolder.Pluginyourname,addressetc
andthenPrintouttheletterandthenhandwriteintheaccountsandthepartialaccountnumbersfor
eachaccountthatyouwantdeletedandalsoaddthewordUnverifiedAccount.Seeexamplebelow:
NameofAccount:

AccountNumber:

ProvidePhysicalProofofVerification

1. Chase Bank

#533376304023 Unverified Account

2. B of A

#34765287.

Unverified late payments

3. Judgment

# 789736

Unverified judgment

NOTE#4:IveusedahandwritingfontintheexampleaboveYoushouldactuallyhandwrite
thisontotheletterandslantthelineabitsoitisnotstraightincaseyouhaveneathandwriting
otherwisethescannerwillprobablybeabletoreadthehandwritingfontwhereasitisunlikelyitwillbe
abletoreadyourownhandwritingespeciallyifyouuseablueinkpenandthelinesareslantedabitor
crooked.
NOTE#5:Ifyouhavemorethan22negativeaccountsonyourcreditreportmakesurethatyou
Onlydisputeamaximumof22accountsatonetime.Attemptingtodisputemorethan22
accountsatonetimecouldcausetheCreditBureaustoclassifyyourdisputeasfrivolousanddo
nothing.Theyhavetherighttodothat.
Step 3: Attach a copy of your Social Security card & Drivers License to
each letter that you send them including letter #2 etc.
Onceyoucompleteeachletter,simplysigntheletter,includeaphotocopyofyourSocial
SecuritycardandIDCard(DriversLicenseorPassport)asproofofyouridentityandmailtheletter
tothecreditbureauCERTIFIEDMAIL.(Thiswillenableyoutotrackdeliveryofyourletterand
provideproofthatitwasreceivedbytheCreditBureau)iftheyendupdoingnothing.Thatwould
beniceconsideringtheywouldhavetodeletealloftheitemsyourequestedonceyoushowed
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The Section 609 Credit Dispute Do-It-Yourself Letter Package

themorthecourtyourproofofdelivery.

Step 4: Hand write the envelope, dont type.

HandwriteyourreturnaddressandtheCreditBureauaddressontheenvelopesothecredit
bureautreatsthedisputeletterasifitisfromanindividualwhichmeansthattheyaremorethan
likelytotakelongertoopenyourletterwhichmeansthattheywilltakelongertodealwithitand
thatbeingsaidthereisabetterchancethattheyllremovetheitemsquicker.
The3rdworldworkerswhodealwithdisputelettershavestrictquotarulestoabidebyif
theywanttokeeptheirjobsowhentheygetbehindtheyhavetwooptions.1)Sendoutthewe
haveverifiedformlettertothestackoflettersthattheyarebehindon.2)Or,deleteallofthe
disputeditemsonthestackoflettersthattheyarebehindon.Envelopesthatarehandwrittenare
takenaslettersfromindividualconsumersandaredealtwithlastwhichmeansthatwhentheyget
aroundtoopeningthemaweekalreadymighthavegoneby.Sincetheyhavetorespondtoyour
disputewithin30daystheyquiteoftendonthavetimetodealwithyourdisputesoyouhavea50
50chanceofgettingtheitemsremovedwiththefirstletter.

Step 5: Wait 4 Days then prepare and mail out Letter #1 to the 2nd Credit
Bureau and then 4 days later mail letter #1 to the 3rd credit bureau.
Dontsendoutyourdisputeletter#1toall3creditbureausonthesameday.Sendthem
outfourdaysapart.Doingitthiswayincreasestheoddsofgettingtheitemsremovedafteronly
usingthefirstletter.Thisrecommendationcomesdirectlyfromaretiredemployeeforoneofthe
creditbureaus.Wepromisednottorevealwhyherecommendedyoudoitthiswayasperhis
requestandthereisnoneedforyoutounderstandwhyyoushoulddoitthisway.Justdoit.
Afteryoumailoutyourletter#1toall3creditbureausoveran9dayperiodthenyoull
watchyourmailcloselyforresponsesfromthecreditbureaus.Itusuallytakesabout2130daysto
receiveyourfirstcorrespondencefromthecreditbureaus.Aswehavediscussedpreviously,they
willsendyouanythingfromacopyofyourcreditreporttoaintimidationletter.Ifyoureceivea
responseandsomenegativeitemswerenotremovedANDtheCreditBureauDIDNOTprovideyou
withacopyofthewrittenverifiableproofperyourwrittenrequestthensendthenextletterin
thepackage.
Itisrecommendedthatyouopen(3)filefoldersoneforEquifax,ExperianandTransUnion
andkeepverydetailedrecordsofthedatesofyourcommunicationswitheachCreditReporting
Agency.Itisimportantthatyouestablishapapertrailhistoryofyoureffortstoenforceyour
consumerrightsundertheFairCreditReportingAct.DOCUMENTEVERYTHINGINWRITING.Keep
copiesoflettersyousendthem,certifiedmailreceipts,responseletters,notesetc.
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The Section 609 Credit Dispute Do-It-Yourself Letter Package

Iftheyfailtorespondtoyourletter#1within30daysofreceivingyourletterthenmail
themacopyoftheNoResponseLetterthatisincludedinthispackage.Also,mailacopyofthis
letterto:cc.ConsumerFinancialProtectionBureau(CFPB)POBox4503,IowaCity,IA52244
Overtime,ifyouhavetofileacomplaintwiththeFTCorCFPBandoryourStateAttorney
GeneralyouwillhaveaverystrongsupportedcaseagainsttheCreditBureauandthisevidencewill
beinvaluableshouldyoueverhavetogototheunusualextremeoffilingalawsuittoseek
damages.
IMPORTANT: Everytimeyousendoneoftheletterstothecreditbureaumakesurethat
youincludeacopyofyourdriverslicenseandSSNcard.Remember,wetoldyoutogotoyourcopy
centerandmake12or15copiessoyouhavethemhandytoattachtoeachletteryoumailout.If
youfailtoattachacopyofthesedocumentstoeachletteryouwillprobablygetareplyafter
waiting2130daysthatsimplytellsyouthattheyareunabletorespondtoyourrequestbecause
therewasnoproofofwhoyouareattachedtothedisputeletter.Itsanotherdelaytacticthat
theyusetodiscourageyouanditjustdelaysthingsforyou.
AftertheyreceiveyourfirstdisputelettertheCreditBureaushave30daystoinvestigate
yourdisputeandsendyouareply.Inmostcasestheywillsendyouanacknowledgmentletter
thatappeartostatethattheywillnotinvestigateyourdisputeand/ortheywilltellyouthatyouare
illegallytryingtodisputelegitimateitemsonyourcreditreportandtheymayaskyoutofillouta
formorquestionnaireandreturnittothem.DONOTFILLOUTANYFORMSandreturnittothem.
Simplyrespondtothemwiththenextletterthatwehaveforyouinthispackage.
NOTE:Sometimesthecreditbureauswillremoveonly2or3oftheitemsandleave4or5of
themstillonyourreportafteryourfirstorsecondletter.Ifthishappensjustcontinueonwiththe
nextletterthatyousendthembutmakesurethatyoudontlisttheremovedaccountsonthe
nextletter.
OK,thatbringstoaclosethebackgroundbehindtheSection609CreditDoItYourself
DisputeLetterPackageaswellasthesimpleStepbyStepInstructionsyouneedtofollowinorder
togetallofthenegativeitemsremovedfromeachofyourcreditreports.
Ifyouhaveanyquestionsconcerningthispackagepleasesendanemailto:
info@creditandfundingsolutions.com
Wewillsendyouaresponsewithin24hours.

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The Section 609 Credit Dispute Do-It-Yourself Letter Package

Copyright 2005-2015
All World Wide Rights Reserved
Nopartsofthispackagemaybereproducedortransmittedinanyformorbyanymeansincludingphotocopying,
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Whileallattemptshavebeenmadetoverifyinformationprovidedinthispublication,theauthordoesnotassume
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Ifwehaveoffendedanyoneinanywayweapologize.Whileeveryefforthasbeenmadetoensurethishelpfuland
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2005 - 2015AllRightsReserved