Section 609
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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account number
date opened
high credit
balance
payment term
payment amount
andthecreditbureaussimplyplacethisinformationintoyourcreditfilewithNOVERIFICATION
doneastowhethertheaccountisvalid,theinformationiscorrectorwhetherthecreditoreven
hastherighttoreporttheitemonyourcreditreport.
Basicallythethreemaincreditbureausgivethecreditorthebenefitofthedoubtthatthey
arereportingaccurateinformation. Whywouldtheygivethecreditorsthebenefitofthedoubt
youask?
Themainanswertothatquestionisbecausethecreditorpaysthecreditbureautoreport
theitemandthecreditoralsopaysthecreditbureauseachtimetheypullyourcreditreport.The
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account number
date opened
high credit
balance
payment term
payment amount
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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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http://www.DebtEliminationTools.com/BillCollector.html
GotonextpageforStepbyStepInstructions.
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Step-By-Step Instructions:
UnderFederalLaw,onceperyearyoucanreceiveaFREEcreditreportfromeachofthe
threemainCreditReportingAgencies.
Step 1:
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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AccountNumber:
ProvidePhysicalProofofVerification
1. Chase Bank
2. B of A
#34765287.
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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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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