Montana Sample Letter for Request for Free Credit Report Allowed by Federal Law
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How to fill out Sample Letter For Request For Free Credit Report Allowed By Federal Law?
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FAQ
Dear Credit Reporting Agency (Experian, TransUnion, or Equifax), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report: ABC Collection Agency, account number 0123456789.
A 609 dispute letter is often touted as a credit repair method that uses a legal loophole to repair your credit. You'll find many 609 dispute letter templates on websites which claim that you can use them to force the credit bureaus to erase negative marks (such as late payments) from your credit report.
In general, a 609 letter is not a legal loophole that consumers can use to remove accurate information from their credit reports. This means they can't relieve you of any verifiable debt. If a credit bureau is able to verify your debt, it will stay on your report. They also can't relieve you of your existing debt.
Federal law allows you to: Get a free copy of your credit report every 12 months from each credit reporting company.
How Do I Get My Free Credit Report?You're entitled to a free copy of your credit report every 12 months from the three nationwide credit bureaus by visiting annualcreditreport.com.You can request these free annual credit reports online, by phone, or by mail.More items...
You are entitled to a free credit report every 12 months from each of the three major consumer reporting companies (Equifax, Experian and TransUnion). You can request a copy from AnnualCreditReport.com.
To get the free credit report authorized by law, go to AnnualCreditReport.com or call (877) 322-8228.
Send your 609 letter to each of the credit reporting agencies that are listing the account you need verified:Experian. P.O. Box 4500. Allen, TX 75013.TransUnion Consumer Solutions. P.O. Box 2000. Chester, PA 19016-2000.Equifax. P.O. Box 740256. Atlanta, GA 30374-0256.
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.
There's no evidence to suggest a 609 letter is more or less effective than the usual process of disputing an error on your credit reportit's just another method of gathering information and seeking verification of the accuracy of the report. If disputes are successful, the credit bureaus may remove the negative item.
