Does Section 609 Really Work 2019

Depending on what your goals are a 609 letter may or may not work for you.

Does section 609 really work 2019.

Section 609 oddly enough doesn t have anything to do with your right to dispute information on your credit reports or a credit reporting agency s obligations to perform investigations into your disputes. Section 609 of the fair credit reporting act requires credit reporting agencies to disclose information to consumers who request it about what is in their credit reports. You may need a pdf reader to view some of the files on this page. All disputes must be addressed within 30 days or all disputed information must be deleted from the files.

That s covered in sections 611 and 623 of the act. The fcra section 609 credit repair method march 5 2020 by steven millstein building your credit score back up doesn t have to take years or even months. Section 609 of the fair credit reporting act fcra outlines a consumer s right to order copies of their credit report and the information that appears on it. Section 609 doesn t explicitly discuss your right to dispute inaccurate information but it does assert your right to a copy of all the information in your credit file.

But the information needs to be verifiable so if it s not it should be removed from your credit report. What section 609 does cover however is your right to request further information about items on your credit reports. In fact there is a small loophole in section 609 of the fair credit reporting act that can help you fast track your way to a higher score. See epa s about pdf page to learn.

This period is extended to 45 days if more information is found that could lead to a re investigation. Section 609 refers to a section of the fair credit reporting act that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. Updated may 05 2020. Ironically enough section 609 doesn t specifically give you the right to dispute information on your credit reports.

Section 609 of the fcra contains one other key element that gives you a good shot at winning your dispute. What is section 609. Section 609 of the fcra gives you the right to see what the furnisher such as a lender collector or court sent to the credit reporting agency as evidence that the information is correct.