Creditors can legally sue consumers within the statute of limitations they are allowed by the state the debtor resides in. A 609 letter is based on the credit bureaus’ responsibility to report only information that is verified. Very honest person and ultra professional I really loved and enjoyed the generosity, 100% responsive and 100% credit repair service offered me at Debooth Credit Solution. My bad financial record was written off within 8days of contact. This happened in early 2016 (just shy of the 4 year mark), and I settled each one for less and it is closed. For example, you may be able to sue a collector who fails to update your credit report or who does not correct your information within the time frame outlined in the Fair Credit Reporting Act . Use this sample to draft a letter disputing errors on your credit report.. Box 9556. See my post above to your prior question. I contacted him... Hi Folks my name is Brenda Parker; few weeks I was looking for possible means to get my credit fixed searched online followed instruction on YouTube video... My credit score moved from below 500 to over 780 across all credit bureaus. While credit inquiries are typically the least significant scoring factor on your credit report, accounting for approximately five points for each inquiry, they can add up quickly if you’re not careful. Writing a letter to any or all of the credit bureaus need not be a complicated process. He was also super transparent and... Ali was amazingly generous with his time and knowledge. {Creditor Name} {ac#}          {Reason for Dispute} Once I received the default letter, I immediately worked with the collection agency and started a loan forgiveness program where if I paid 9 consecutive on-time payments, in good grace they would remove my default status. The original debt occurred in my state. Credit account related Disputes:  Charge-offs, late payments, missed payments, collections, repossessions, student loans, installment loans, auto loans, mortgage foreclosures. Hello, my credit report is mixed with my dad who’s got a similar name, his accounts are showing on my credit report, can I utilize this letter to fix the problem ? If they haven’t then put in a dispute with equifax. So over the years, I’ve seen clients of mine make errors which end up hurting their chances for deletion. Take My Quiz: Hire a pro or do it yourself ? student loans like SBA loans, that are federally backed, these don’t go away unfortunately unless settled. Box 6790, Fullerton, CA 92634; This sample letter covers all the main points you should cover. I have two negative accounts on my credit report. I 'm using this opportunity to recommend and show my gratitude to a professional hacker OCTOPUS CREDIT SOLUTION who has proven his professionalism by... Greetings, I want to use this medium to appreciate Ghost Virus for helping me clear all negative items on my credit depriving me from a lot of things I... DEBOOTH is splendid and offers reliable, and fast services. No mail, phone calls or emails were received. Any good dispute reasons? A credit report is a detailed record of how you've managed your credit over time. Hit them up for credit... Mr Zane has provided me the assistance without charging me a penny. One has been paid, one is being paid, and the other two are still being negotiated. Hi James, try lodging a complaint against Experian and against Bank of America with the Consumer Financial Protection Bureau at, this should do the trick. The bureaus have put a fraud alert on my credit report, what can I do ? They helped me with my... Amazing! good fight against the credit Bureaus ! In your letter, inform the credit bureau that you are disputing the information and inform them why the information is incorrect. Do I have any recourse besides waiting for 4-7 years? Can recent 30 day lates be removed with this letter Ali ? and I have one closed account who still reporting with interest on my credit each month ,will this still work on it too?? If you reviewed your credit reports and you don’t agree with some of the information contained on your report, or even if any items are questionable, you can send a credit report dispute letter to each of the credit bureaus. Your Address Hi Gabrielle, once a dispute is completed and it says , dispute resolved, the mortgage company should not have a problem with the dispute comment. I have been trying for years to get rid of 2 bad accounts on my credit. I wanted to ask how frequently can this letter be used, Hi Jerry, the bureaus can turn down your request to investigate if you do not wait 30 days after the completion of a prior dispute. There are a variety of round-two dispute letters that dive into these questions. Hi Jason, once the letters are received from the bureaus, they have about a month to respond back, but I’ve seen they complete their investigation normally within 14 days. I’ve got a blog on this that shows you how to do this: Hi Carmella, the Transunion investigation normally takes 30 days, now if 30 days have passed, you can either call them. I will update with results after 30 days. If it’s within the statute then disputes won’t help and only settling would, I live in apartments building for 5years and after I move out they send me to collection for 1400 for nonsense (fixing stuff, carpet cleaning, trash)and they even keep my deposit…will this letter help me get that off my credit. Any advice on getting that account removed off my credit report all together? I foolishly paid off the utility without negotiation in an attempt to have this removed. Fortunately, tax liens no longer show up on credit reports, but they do show up on court records. Do contact them, and talk to a live rep. They got them... Ali gave me a free short 2 minute consultation on the issues I was facing with my credit and told me to wait a month before checking with him. If you are a victim of identity theft or fraud, where someone has been fraudulently using your name to apply for and obtain accounts, Then the process to repair your credit is different. send a second letter? Is this true? Ali , what will get me better results ? Correcting that information … I’m trying to remove a fraudulent charge off account, what special instructions I need to follow? Older collection accounts: Or for re-aged collection accounts, you’ll need a debt validation letter, where you challenge the debt with the debt collector first. See Chapter One for information about credit reporting agencies. I really enjoyed working with him. Now, with removing PG&E Collections, or utility bill collections, like Comcast collections, AT&T collections, it depends on who is reporting the account. You lodge a regulatory complaint with the Consumer Financial Protection Bureau (CFPB) at Instead, get in touch with your creditors and ask them to update your records with your new address, name or employer. Any serious credit repair expert will tell you never to use this method. Thanks your letter worked, I’ve been disputing a few accounts on my credit report for almost 2 years now, and today the last agency responded. This effectively resulted in my score dropping 159 points. How to remove a 30 day late payment incurred during covid-19 pandemic, Repair Your Credit Report After Identity Theft, Remove Charge-Offs From Your Credit Report, Remove Collections from your Credit Report, Remove Dispute Comments from Credit Reports, The Most Effective Credit Bureau Dispute Letter, Delete 30 Day Late Payments From Your Credit Report, How to do a Pay for Delete for a Collection, How to dispute accounts relating to Identity Theft and Fraud. Incorrect amount. Similarly, remember to be kind. or do you want me to contact equifax? can you email me what I need to get going to hire you? Let’s walk through the steps: How to request a credit freeze by certified mail Hey Mr. Zane, Whats the best way to get the dispute handled by a human and not the eoscar automated way?? Look for “dispute” on their websites: Equifax, Experian, and TransUnion. Continue the Those report formats will show you the date of fall off, and if the date of fall off is showing more than 7 years after 2013, then that is re-aging. Use this sample if you want to write a letter disputing certain information provided to credit reporting companies.. Since they are almost 4 years old, would you go straight to the credit bureau and dispute them? TransUnion is certainly one of 3 major credit scoring bureaus in the usa – the other two being Equifax and Experian. 2. These files may be updated and changed at any time as we update the list of available files. Hello, I called experian to have my dispute comments removed from credit report. After the collection company receives your letter, only then should you send out credit bureau dispute letter. Hi Daniel, re-aging is not that simple to spot. If a consumer has disputed some information about a debt on their credit report and receives a letter from a credit bureau that the debt is verified as accurate, the consumer has the right according to the Fair Credit Reporting Act (FCRA) to request the method of verification that the credit bureau used. I have been browsing online more than 3 hours today for credit repair help and am really glad I came across this letter. Next if you’re dealing with a small mortgage company, unlike chase or boa etc, you want to find out if the mortgage company reports accounts they service to the credit bureaus. I called to check if its possible to remove one negative item that I have in my credit report. Hi Mark, basicially, it will still be an e-oscar dispute but if you send in a mail request, then at least it will be manually inputted. (It instead limits the time that debt is legally enforceable.) Phone and online disputes, although maybe the simplest ways to dispute. Hi Shelia, so saddened to hear about your loss. These are actual confirmation letters from credit bureaus confirming removal of accounts.. Scroll down to the the bottom of the page and check out my yelp reviews. The statute of limitations doesn't relieve your obligation to pay a debt, and it doesn't stop collectors from trying to get you to pay. Pull the latest credit report from Equifax to see if they’ve removed the account already. I called Ali to review my credit report to make sure everything was in line. Thanks for the reply bud. As long as you include all of the required information, you’ve done all you need to in terms of the letter. They essentially gather information about a consumer’s credit history and keep a detailed record of personal information, accounts and how well debt is paid. Here is a sample death notification letter to use for your deceased family member’s credit account. He took his time to explain things we had questions about... Something popped up on my report that wasn't mine. Credit Inquiries: Requests for your personal credit report, aka credit inquiries, are recorded by the credit bureaus and kept on record for 2 years. They should be able to resolve the issue on the phone, Hi, i have a sba loans charged off on my report is it possible to get it remove. The bureaus think that both you and your dad are the same person, so they need to be given evidence that you are not. If they letters were received, then you can move to lodge complaints against the bureaus, as discussed below. The bureaus can legally turn down your dispute if you do not wait a month after the completion of prior disputes. § 1681I), I am practicing my right to challenge questionable information that I have found on my personal credit report. Either option means credit bureaus won't include you in the list of prescreened consumers they send to creditors and insurance companies. {If Sending to Experian: P.O. I just found out that the home mortgage has not been reporting to the credit bureaus that I have been making the monthly payments. (Enclose a copy of any documents verifying the personal information you are asking to be added to your credit report (e.g., if you are requesting that the credit bureaus list the name of your employer, send a copy of your pay stub). My credit scroe is now back to 750 from 660. The account belongs to someone else with a similar name. Use this stop and abstain Dispute Letter To Credit Bureau Template to end debt collection phone calls. Virtually any “questionable” negative information the credit bureaus have for you can be disputed and their deletion may result in a credit score increase. My scores changed fast, major ups and downs to the extent it dropped 123 points when my student loan... Hello, 2. This blogpost is for the people who cannot afford my paid credit repair services and don’t mind going through the trouble of repairing credit themselves. I had a few questions about hard inquiries and Ali was very helpful and honest and he said that at this point my credit issues can only solved by me paying... My husband and I were trying to get a VA mortgage. My husband passed away 3 years age this Sept. Thanks Ali for the quick response. So once again if you are an ID theft victim, start here. The account is too old to be on the credit report. The Fair Credit Reporting Act (FCRA) gives you the right to dispute inaccurate information on your credit report. Are you recommending that removing dispute comments is something everyone should do? I can not thank you enough for the information you’ve provided to people, like myself, who are simply are unaware on the proper procedures to utilize when dealing with the credit bureaus and/or businesses in regard to dealing with inaccurate information, or those of us who may have went through a difficult time, and want nothing more than to repair our credit – but simply aren’t sure which is the best course of … When you call the bureaus, they will just ask you to either send a letter or go online to get a copy of the credit report. Then check on each bureau if there’s been any deletions or any accounts showing they ‘”under re-investigation.”. When writing your letter to a credit bureau, please remember these simple guidelines: In most cases, it’s unnecessary to mention laws, procedures, court rulings, or threaten lawsuits, etc. Got 4 of my negative accounts deleted using this letter for Equifax, thanks so much for sharing this information Ali !! Consumers are at a disadvantage every time they do this. Why did I receive a letter from the collections costumer and not the credit reporting agencies? You’re off the hook! He answered all of our emails and returned our voicemails quickly. I rarely leave a Yelp review, but Ali and his team fully deserve it. Known as the section 609 dispute letter or section 604 dispute letter, both dispute letters are similar. they keep saying it’s still under investigation. You don’t need to contact the credit bureaus to update the personal information on your credit reports. Trying to repair your credit yourself can get overwhelming and confusing: —    It’s hard to figure out how to dispute correctly, —    Credit Bureaus may disregard your disputes, —    Creditors keep on verifying your challenges.