Some companies or websites sell specific 609 dispute letter templates. A paid-for template isn’t any better than one you can write for free. You can use any format as long as you include the necessary ...

Section 609 of the Fair Credit Reporting Act stipulates that you may use a 609 letter to ask credit reporting agencies to erase unfavorable information from your credit file, even if it’s true.

Some companies offer 609 letter templates for sale, but you don’t need to buy a template. Section 609 of the FCRA does not require that consumers submit requests using a specific template or format.

A 609 letter is a way to request is a way to verify the accuracy of the accounts listed on your credit report. While they’re sometimes called 609 dispute letters or credit dispute letters, a 609 ...