What can 609Disputes do for you?

Don't spend $500-$800 on traditional "credit repair" companies. Our 14 credit dispute letters are drafted by expert attorneys and have been proven to get the following negative credit items removed permanently from your credit report:

  • Foreclosures

  • Bankruptcies

  • Judgments

  • Late Payments

  • Charge-Offs

  • Repos, Tax Liens

  • Accounts

  • Short Sales

  • Inquiries

Why this is going to work?

It doesn't matter whether your negative items are valid or not. They'll ALL come off if you use the credit dispute letters in this package to dispute your credit report.

These letters dispute the Credit Bureaus "Right to Report" an account or an item on an account NOT whether or not an account is yours or not. Read below for a more detailed answer.

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Do these Credit Report Dispute Letters sound

too good to be true to you?

Well they are not too good to be true! Sure the Credit Bureaus, Bankers, and so-called credit repair experts will all tell you that ONLY “inaccurate” credit items can be removed from your credit report. They'll tell you with a straight face that "accurate" negative credit items cannot be removed.

According to these phony experts it will take you between 7-10 years before "accurate" credit items can be removed and they'll even tell you that trying to remove accurate negative credit items is against the law. Then they’ll tell you that anybody that tells you different is scamming you.

Well the real truth is quite the opposite and you can find it on page 37 of the Fair Credit Reporting Act (FCRA).

This 1971 Fair Credit Reporting Act states that a consumer reporting agency is NOT required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated or if it CANNOT BE VERIFIED.

Furthermore, there are a handful of Appellant Court cases that are based on the FCRA where the Appellant Courts defined the term “Verified” for us stating that a credit reporting agency is required to have a copy of the original signed credit application application document that was used to open the account verifying that the account they are reporting on belongs to you. They can't just parrot the words of the creditor "the item has been verified". Appellant Courts have already ruled on this. The Courts have interpreted this all important clause in the Fair Credit Reporting Act.

Credit Bureaus don’t have the credit application or any other documents concerning any of your accounts in their files therefore they can’t produce it when you request it from them in writing so the account is classified as "UNVERIFIED" and the Fair Credit Reporting Act specifies that they must DELETE all unverified accounts if you request in writing to have them delete these items. Whether the account is yours and or is accurate doesn’t matter if you use the credit dispute letters in this package that you can get instant access to today!

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How to file a proper Credit Report Dispute

The credit bureaus will ignore the FCRA & the Court of Appeals decision if you allow them to and they'll continue to act as if they don’t have to verify anything if you let them.

They will tell you that it is the Creditor who is responsible for providing you with the verification document not them. If you follow the simple step-by-step set of instructions that comes with the “Section 609 Do-It-Yourself Credit Dispute Letter Package” you'll know exactly how to deal with them and force them to follow the law set by the Appellant Courts.

The 'Step-by-Step-Instruction Manual' that you will receive in the “Section 609 Do-It-Yourself Credit Dispute Letter Package” will show you how to deal with their scare tactics. Their scare tactics are used in an attempt to scare and intimidate you into dropping your dispute so that they don't have to remove any of the disputed items.

The credit bureaus also use “STALL” tactics as well as these “SCARE” tactics in an attempt to get you to back off from your dispute. Every time they use one of these tactics another 20-30 days can go by but don’t worry eventually they will remove all of your negative items.

Whether it takes you one letter or four letters it doesn’t really matter. Eventually you will find that all of your derogatory negative credit accounts will disappear. We discuss in our step-by-step set of instructions why for some people it happens quickly and is quite easy but for others it can take many months so to be safe be prepared to go a few rounds of letters.

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Still not convinced? See why you should be!

We're so absolutely sure that 609Disputes will help fix your credit that we're offering an unconditional,

NO-question-asked 30-day money back guarantee.

Ready To Use Documents

You will receive over 15 ready to use documents to send into the credit bureaus. Simply follow our step by step guide.

95% Success Rate

Our customers are reporting over a 95% success rate using our letters. Some get items removed within 2 weeks.

Easy To Start Guide

You simply enter your personal information and list up to 23 remarks you want removed then mail it in via certified usps mail.

Ready To Use Documents

We offer email support with an average response time of under 6 hours, often under 2 hours.

Attorney Approved

We are NOT saying the debts are incorrect, we ARE saying that in order for it to be reported they must legally keep an original copy of your signature on file at all times.

Correct Price

You might spend a couple thousand dollars to hire an attorney to help you but you could do this yourself with help.

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Find out how to get your negative credit items removed permanently