2012年2月17日 · “This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA §809(b).”. (don’t let them just simply sluff it off as a meaningless DV letter) (Provide the following requirements of the rules, as detailed under 16 CFR 660.4): “Identification of the specific information being disputed:

2018年10月15日 · Hello all! New here so forgive me if I do anything "wrong". I am trying to get my husbands credit cleaned up as we - 4894732 - 3

2010年2月4日 · FCRA 609 relates to consumer requests for information in their credit file, usually requiring the fee set forth in FCRA 612(f). FCRA 609 is not directed to credit reporting by the creditor. I dont see the connection. FCRA 609 does not appear to be relevant to repoting by a creditor, or disputiing by a consumer.

2018年11月6日 · A "template" need only state that you are filing a dispute under FCRA 611. Other than that, the dispute must identify the specific information that is considered to be inaccurate, and explain why it is considered inaccurate. If you have supporting documentation to show how or why it is considered inaccurate, it should be included.

2022年6月12日 · I have heard mix reviews on the effectiveness of sending a 609 Letter to the credit agencies. I have heard enough information to be willing to give it a try. Is there anyone who has tried it and if so do you have a 609 Template that you can PM …

2019年12月15日 · Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit

2017年9月29日 · 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.

2018年3月29日 · I keep reading about these "609 Letters".. and I have some questions. Sample letter: To whom it may concern, I am writing a letter of dispute. I have included a copy of my drivers license and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Secti...

2016年6月21日 · As background in making a dispute, below is an FTC staff opinion letter dated Fedruary 11, 1998 that specifically addresses the issue of automobile dealers accessing a consumer's credit report: "1. Section 604(a)(3)(F) permits CRAs to provide consumer reports to any party who has a "legitimate business need for the information in connection ...

2022年1月13日 · In Dec 2021 I sent out a 609 Dispute letter to all of the credit Bureas disputing Discover and one USAA account and a bunch of inquiries. At first it worked Discover was removed from my Equifax - butttttt - it was reinserted after Discover responded back. The USAA account was deleted I got 3 poi...