topic Re: 609 letter results in Rebuilding Your Credit

609 letter results

Anonymous — Fri, 29 Sep 2017 11:52:52 GMT

So for anyone curious if 609 letters work I sent out 3 letters on the 14th and 2 weeks later no reply from transunion or experian but equifax did remove 1 item and everything else is pending. So not sure if it is good or bad so far.

Re: 609 letter results

Anonymous — Fri, 29 Sep 2017 13:41:25 GMT

I've been using them and they worked for me . Within the first 2 weeks my score increases 15 points . I started with 17 collection accounts now I only have 6 left total on all 3 reports. Don't worry I felt the same way then I started getting alerts . But TU was the last to make any changes . It would be a good idea to get credit monitoring so you can get the alerts when it chages .

Re: 609 letter results

Anonymous — Fri, 29 Sep 2017 14:40:18 GMT

I did the 609's with good success. I sent them for 4 months updating as I went. I had about 70% removed. It's a marathon not a sprint.

Re: 609 letter results

Anonymous — Fri, 29 Sep 2017 16:39:59 GMT

How long before they started removing items for you

Re: 609 letter results

Anonymous — Fri, 29 Sep 2017 16:41:21 GMT

Who do you recommend for credit monitoring. I do get updates with Kredit Karma, Credit Seasame, Experian

Re: 609 letter results

RobertEG — Thu, 10 May 2018 17:33:51 GMT

In general, FCRA 609 relates to situations where a consumer is entitled to request and receive information from a CRA.

It does not generally provide for "removal" or deletion of inaccurate information.

It is a basis for determining what information is in your file, and how it was provided.

To then seek deletion or corrrection involves use of the dispute process, either via a dispute to the CRA under FCRA 611 or directly to the furnisher under FCRA 623(a)(8).

The dispute processes define the additional requirment for an investigation by the furnisher or reinvestigation by the CRA, which then can result in deletion or correction.

How are you using a "609 letter" as a basis for removal of information?

Have you filed a dispute to then obtain an investigation/reinvestigation?

I am aware that the internet abounds with sites that offer a special or guaranteed removal process using their special 609 letters that they offer to sell. Those sites are, in my opinion, a scam without legal basis supporting any required deletion outcome.

Re: 609 letter results

Anonymous — Fri, 29 Sep 2017 19:47:45 GMT

Honestly I sent out letters I found online that simply state I wish to see the information used to verify my records and if they can not produce it they must remove the account from my files.

Re: 609 letter results

RobertEG — Sat, 30 Sep 2017 09:28:20 GMT

There is no such deletion provision set forth under FCRA 609 based on the adequacy, or lack thereof, of response to a section 609 request.

Deletion is provided for under the dispute processes (sections 611 or 623(a)(8)), but applies ONLY to the specific information that is identified as being subject of the dispute, and then only if the accuracy is not verified.

Documentation is not a requirement for verification of disputed information.

Re: 609 letter results

Anonymous — Sat, 30 Sep 2017 16:34:30 GMT

I know people keep saying there is no provision for deletion under 609 but yet credit bureaus still delete under a 609 dispute. This may be because people are requesting information about the account itself and since the account is not verifiable it is deleted. Many creditors buy bulk accounts but recieve no information attached to the account so they can not verify anything on thw account. Whether or not this is directly linked to 609 or not it seems to work.

Re: 609 letter results

Anonymous — Thu, 16 Nov 2017 14:58:07 GMT

Any updates?

Re: 609 letter results

Anonymous — Thu, 16 Nov 2017 15:01:00 GMT

Any updates? I sent my first round of letters out on Nov 6. I wrote out the address and account info by hand. Did you do anything special to yours...just curious to see if it makes any difference

Re: 609 letter results

Anonymous — Tue, 19 Dec 2017 21:04:55 GMT

Hey do you have a copy of one of the sample letters you sent? Or did you just google it?

Re: 609 letter results

Anonymous — Sat, 21 Apr 2018 16:21:12 GMT

Sorry I been away just bought a house so been a littl busy and had to put the repair on hold. I did send out the first letter and only had one item removed and got a boost in my score. Went from 610 to a 640 middle score which got me approved for mortgage and grants which was my goal. After I am fully settled in in the new year I will start the process again and work at that 700 fico. (Mod Cut-Im sorry publication of this site is prohibited in the public forum)

Re: 609 letter results

sparklerd34 — Wed, 21 Mar 2018 18:43:32 GMT

I just sent my letters out and few weeks ago. i have until 04/05 to reach out for my follow up letter. I am hoping it will work for at least 1 of them. that will be an improvment. I decided i will try this myself. hopefully if nothing else at least 1. I too am so close with my score to pre approve for a home loan.

Re: 609 letter results

sparklerd34 — Sun, 25 Mar 2018 09:52:18 GMT

@sparklerd34wrote:
I just sent my letters out and few weeks ago. i have until 04/05 to reach out for my follow up letter. I am hoping it will work for at least 1 of them. that will be an improvment. I decided i will try this myself. hopefully if nothing else at least 1. I too am so close with my score to pre approve for a home loan.

I received my update from TU 3 removed because they were too old and collection was demanding me to pay. Score increased fom 606 to 635.

Re: 609 letter results

odjohnson3 — Tue, 27 Mar 2018 20:08:53 GMT

Would someone please inbox me a sample of the 609 letter they used

Re: 609 letter results

Anonymous — Wed, 28 Mar 2018 03:38:19 GMT

Yup.

Re: 609 letter results

Shadowfactor — Wed, 28 Mar 2018 03:53:23 GMT

will you please send me a sample letter as well.

I havent had any luck with PRA, so I might as well try.

I even hired an attorney, PRA legal dept is a pain to work with he told me. He keeps sending them letter after letter trying to get it resolved but they wont put anything about the settlement in writing.

Re: 609 letter results

sparklerd34 — Fri, 30 Mar 2018 15:23:27 GMT

@odjohnson3wrote:
Would someone please inbox me a sample of the 609 letter they used

sent you an message

Re: 609 letter results

sparklerd34 — Fri, 30 Mar 2018 15:27:08 GMT

@Shadowfactorwrote:
will you please send me a sample letter as well.

I havent had any luck with PRA, so I might as well try.

I even hired an attorney, PRA legal dept is a pain to work with he told me. He keeps sending them letter after letter trying to get it resolved but they wont put anything about the settlement in writing.

Sent you a message