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Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
Write a letter explaining that the bankruptcy was dismissed. Include any previous addresses they may have on file. Request that the change be made within 30 days. Include a copy of the documentation for the bankruptcy dismissal.
How Do You Write a 609 Letter? Your full legal name. Your complete address. Your phone number. Statement pertaining to your 609 rights under the FCRA. Account name and number for any accounts in question. Statement requesting removal of inaccurate information. Attorney contact information, if applicable.
Any accurate or verifiable information will stay on your credit report?a 609 letter doesn't guarantee its removal. However, you may increase your chances of removal if you follow a 609 letter template and provide enough information.
While it's not possible to remove a legitimate bankruptcy from your credit report, its impact wanes over time until it finally leaves your report after seven to 10 years. In the meantime, you can file a dispute with the credit bureaus if your bankruptcy contains any inaccurate information.