Yup no BS or Games, Simple to do and its right in front of you. Lets go.
Here are the notes I mentioned
This is the form letter for the 609 Credit Letter
Dear Credit Bureau,
I’m exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report.
LIST ACCOUNT NAMES AND ACCOUNT NUMBERS
I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you can’t provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately.
Sincerely,
Your Name
Address, Social Security number, Date of Birth
(Make sure to include a photo copy of your drivers license and social security card.)
Upon request (it’s up to you to be proactive), the credit reporting agencies must disclose:
All of the information in your consumer credit files (with a few exceptions).
The sources of that information.
The credit reporting agencies do not have to disclose:
Your credit scores.
Your Social Security number (if you ask for it to be hidden).
Of course Section 609 goes on to cover disclosures and about ten pages worth of other requirements and instructions for the credit reporting agencies to follow. These are just the highlights commonly used in the 609 credit repair strategy.
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