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In general, you should send a 609 letter to the three main credit reporting agencies. Those agencies must then investigate alleged errors and make corrections as necessary.
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.
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.
Here are the mailing addresses for each credit bureau: Equifax. P.O. Box 7404256. Atlanta, GA 30374-0256. Experian. Dispute Department. P.O. Box 9701. Allen, TX 75013. TransUnion. Consumer Solutions. P.O. Box 2000. Chester, PA 19022-2000.
Be clear and include enough information to clearly convey your request or offer to your client or potential customer. Tailor your letter to your audience. Be brief; credit letters should be straightforward and businesslike. Be confident and persuasive.
Where to Send Your Credit Dispute Letter Experian. Dispute Department. PO Box 4500. Allen, TX 75013. Equifax. PO Box 740256. Atlanta, GA 30374-0256. TransUnion. TransUnion Consumer Solutions. PO Box 2000. Chester, PA 19016-2000.
Recently, Equifax , Experian , and TransUnion added a function to their dispute-handling system that makes it easier for you to explain your dispute. Now you can upload, mail, or fax any supporting documents you have to explain the errors in your credit report.
What Should You Include in a Credit Dispute Letter? Your full name. Your date of birth. Your Social Security number. Your current address and any other addresses at which you have lived during the past two years. A copy of a government-issued identification card such as a driver's license or state ID.
A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It's named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices. Written by Natasha Wiebusch, J.D..
To submit a dispute to a credit reporting company, contact the credit reporting company who has the inaccurate information on your credit report. You may submit a dispute with each of the credit reporting companies over the internet or by mail....Mail: Equifax. P.O. Box 740256. Atlanta, GA 30374-0256.