If you discover errors on your credit report, gather any supporting documents and include them with a letter disputing the error. Then send it to: The credit reporting agency whose report you are disputing. The company that provided the incorrect information.
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.
The credit bureaus also accept disputes online or by phone: Experian (888) 397-3742. Transunion (800) 916-8800. Equifax (866) 349-5191.
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.
You can dispute the item with the credit bureaus, and/or creditors or debt collectors, and they'll make a decision as to whether to remove it. You can do this on your own, or with the help of a credit repair professional (including possibly an attorney).
You can raise an online dispute with the credit bureau to dispute errors. Visit the dispute resolution section and fill the form to fix the error. It should be noted that you will need to submit the nine-digit number provided on your credit report which contains the disputed details.
2) What is the 609 loophole? The “609 loophole” is a misconception. Section 609 of the Fair Credit Reporting Act (FCRA) allows consumers to request their credit file information. It does not guarantee the removal of negative items but requires credit bureaus to verify the accuracy of disputed information.
If a negative item is innacurate, incomplete, non verifiable or out of date, you have the right to have it removed. You can dispute the item with the credit bureaus, and/or creditors or debt collectors, and they'll make a decision as to whether to remove it.