Does Section 609 Really Work 2019

Updated may 05 2020.

Does section 609 really work 2019.

What is section 609. 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. 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. That s covered in sections 611 and 623 of the act.

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. 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. Depending on what your goals are a 609 letter may or may not work for you. But the information needs to be verifiable so if it s not it should be removed from your credit report.

1 templates for 609 letters can be found on the internet often for a fee but there is no need to spend money on such a product. For instance if you feel you have inaccuracies on your credit report writing a 609 letter can help you get them removed. 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. All disputes must be addressed within 30 days or all disputed information must be deleted from the files.

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. 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 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.

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. Fact sheet provides a general overview of epa regulations under section 609 of the clean air act which is focused on preventing the release of refrigerants during the servicing of motor vehicle air conditioning systems and similar appliances. Ironically enough section 609 doesn t specifically give you the right to dispute information on your credit reports.