If you’ve been working to improve your credit, you may need to dispute certain items on your credit report. Resolving inaccuracies and addressing other negative or unverifiable items on your credit report can be an efficient way to improve your credit score.
Credit Bureau Responsibilities
The three major credit bureaus—Equifax, Experian, and TransUnion—are required to include only accurate and verifiable information in consumer credit reports. They collect consumer credit information from lenders and other sources, then resell that information to businesses that need to evaluate consumer credit applications. A letter utilizing rights guaranteed under the Fair Credit Reporting Act to clean up inaccurate information in your credit report might make perfect sense for your situation, but it cannot force the bureaus to remove negative information that is accurate and verifiable.
Where the 609 Letter Comes From
The information Section 609 requires credit reporting agencies to disclose includes:
All information in the requesting consumer’s credit reportThe source of the informationEach 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 the same information you get when you order your credit report online. In addition to the required disclosure of information in your credit file, Section 609 requires credit bureaus to provide a summary of your rights under the Fair Credit Reporting Act, a list of the federal agencies that enforce the act, and a statement that the credit bureau is not required to remove accurate, negative information unless it is outdated or cannot be verified.
Disputing Information
Your right to request disclosure of information from the credit bureaus does not require a specific letter template or specific language. Simply write to the credit bureau and request disclosure of the information in question. Include documentation, if applicable, to support your claim. Free sample letters are available from groups like the Consumer Financial Protection Bureau and MyFICO. It’s also possible to submit disputes online with each agency:
Equifax Experian TransUnion
Sections 611 and 623—not Section 609—of the Fair Credit Reporting Act cover consumers’ rights to dispute inaccurate information and the obligations of the credit bureaus and those furnishing information to the credit bureaus to provide a description of the dispute process if the consumer requests it in writing.
What 609 Letters Don’t Do
No letter can guarantee that a credit bureau will remove negative information from your credit report if that information is accurate and can be verified. As well, no letter can stop the bureaus from adding negative information to your report if it is accurate and verifiable—even if that information previously was removed at your request. For example, you may successfully dispute information that cannot be verified at the time of your dispute, but if the credit bureaus are able to verify the information at a later date, they can return the information to your credit report. It’s also important to note that successfully having information removed from your credit report has no impact on legitimate debts—regardless of whether or not the credit bureau in question can verify it. If it is a legitimate debt, you still are responsible for repaying it. The Fair Credit Reporting Act does not require credit bureaus to keep or provide signed contracts or proofs of debts. You can, however, request a description of the investigation procedure.
