The Truth About 609 Letters: What Really Works in 2025

What is a 609 Letter?

A 609 letter uses Section 609 of the Fair Credit Reporting Act to request the information a credit bureau relies on for items in your file. Items that are inaccurate or can't be verified must be corrected or removed.

How to Use 609 Letters Effectively

Send one letter per bureau by certified mail, list the specific accounts you dispute, include a copy of your ID and proof of address, and keep records of every response.

Read the 609 dispute letter template guide or get the complete system.