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If this form requires notarization, complete it online through a secure video call—no need to meet a notary in person or wait for an appointment.

We protect your documents and personal data by following strict security and privacy standards.
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Yes, 609 dispute letters can work. The FCRA provides a consumer the legal right to challenge any inaccurate information found in their credit report.
Send a Dispute Letter to Your Card Company your name and account number. the dollar amount of the disputed charge. the date of the disputed charge. an explanation of why you think the charge is incorrect.
In your dispute letter, be clear, concise, and provide compelling evidence to challenge any inaccuracies or unjustified claims. Doing this will help you navigate the challenges of debt collection and assert your consumer rights confidently.
Your letter should identify each item you dispute, state the facts, explain why you dispute the information, and ask that the business that supplied the information take action to have it removed or corrected. You may want to enclose a copy of your report with the item(s) in question circled.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies.