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  • Is the 609 Letter Really a Credit Repair Secret?

  • Is the 609 Letter Really a Credit Repair Secret?

    August 19, 2019 | Blog
  • A 609 letter is one of the latest internet credit repair “secrets” that claim the ability to remove any kind of information from your credit report—even accurate information—based on a “loophole” in the credit reporting law.

    Why Use a 609 Letter?
    If you’ve been working to improve your credit, a 609 letter may sound like exactly what you need to get negative accounts taken off your credit report. You can use it to dispute errors, resolve inaccuracies, and handle other items that might be impacting and lowering your credit score inaccurately.

    Where Does the 609 Letter Come From?
    The Fair Credit Reporting Act contains 25 sections, numbered 601 through 625. The 609 letters are based on rights granted under Section 609 of the Fair Credit Reporting Act. Under Section 609, credit reporting agencies are required to disclose certain information to consumers who request it. Specifically, consumers are allowed to request:
    -All the information in their credit report
    -The source of the information
    -Each prospective employer that has accessed the consumer’s credit report within the past two years (except for businesses that accessed the credit report for an investigative report)
    -Businesses that have made soft inquiries within the past year
    This is essentially the information you get when you order your credit report online.

    Where You Can Purchase a 609 Letter Template?

    For as low as $9 you can have a 609 letter template. Use this template to remove all negative items from your credit file permanently and legally! Visit our website https://dkrgroupfinancial.com/product-category/template/

    DKR GROUP LLC
    www.dkrgroupfinancial.com | (770)-578-4165