Despite the misleading name, 609 is not exactly a dispute; rather, it's a letter/document requesting that the credit bureaus give you information regarding the accuracy of your credit report.
While 609 letters can't remove verified or accurate debts, they can help uncover documentation issues that might support a formal dispute. The process requires persistence, as credit bureaus are obligated to respond to your request within 30–45 days but may not always provide adequate information on the first try.
A 623 dispute letter is a written communication submitted to a credit bureau, typically by a consumer, to dispute inaccuracies or discrepancies in their credit report.
How to Write a Letter of Credit Prepare the letter of credit documents, including the credit application, bank instructions, and the credit agreement. Make sure all documents are signed, dated, and include all necessary information. Submit documents to the issuing bank. Confirm that the bank has accepted the documents.