Sample Certification from Company to Consumer Reporting Agency

A 609 letter is a method of requesting the removal of negative information (even if it's accurate) from your credit report, thanks to the legal specifications of section 609 of the Fair Credit Reporting Act.

Here's the truth about a 609 letter: they absolutely do work in many cases. But, just like with credit report disputes, there's no guarantee it will actually work.

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.

Credit report with the account in question circled and/or highlighted. Birth certificate. Social Security card. Passport (if you have one) the page showing your photo and the number.

Section 609 refers to a section of the Fair Credit Reporting Act (FCRA) that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports.

A consumer report is a collection of documents that may include credit reports, criminal and other public records such as bankruptcy filings, and records of civil court procedures and judgments. Increasingly, these records also include your activity on social media, such as Twitter and Facebook.

The term consumer reporting agency means any person who, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third

The debt dispute letter should include your personal identifying information; verification of the amount of debt owed; the name of the creditor for the debt; and a request that the debt not be reported to credit reporting agencies until the matter is resolved or have it removed from the report, if it already has been

A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA) a business that assembles such reports for other businesses.