 TITLE: What Is a 609 Dispute Letter? CONTENT: Is a 609 Dispute Letter Effective?\n----------------------------------\nIf you're looking for dispute letter templates, there's likely a reason. Normally consumers send dispute letters to the main credit reporting agencies (Experian, TransUnion and Equifax) because they believe something on their credit report is incorrect. This can happen if they've applied for a loan or other form of credit and the lender has informed them that they were denied because of information on their credit report. It can also happen when they check their credit report and find accounts they don't recognize. The practical impact of a dispute letter is it causes the credit reporting agency to investigate and correct any alleged error.\nThe 609 Dispute Letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to remove the disputed item because it's unverifiable. The FCRA, however, entitles us to all of the information the credit reporting agencies have in their systems—not information they do not have in their systems.\nWhile there is plenty of information online about 609 Dispute Letters, there is no evidence suggesting any specific letter template is more effective than another. And frankly, you could submit your credit report dispute on the back of a beverage napkin and if it's valid, then the information must be corrected or removed. The method of delivery is largely irrelevant when it comes to your rights for an accurate credit report.\nConversely, if the information on your credit reports is accurate and verifiable, then chances are it's going to remain on your credit reports. The style of your letter doesn't change that fact. END