 TITLE: What Is a 609 Dispute Letter? CONTENT: How to Correctly Dispute Errors on Your Credit Report\n-----------------------------------------------------\nThere are better ways to dispute your credit reports than buying dispute letter templates, and the process is actually very easy. First, get copies of your credit reports so you can review them for errors. You have the right to a free copy of your credit reports once every 12 months from AnnualCreditReport.com. You can also get a free credit report from Experian every 30 days.\nIf you determine there is information appearing on your credit report or reports that is legitimately incorrect or that you believe can no longer be verified by the source of the information, the law protects you. In those cases, you should file a formal dispute. Specifically, if your Experian credit report contains any errors, you can file your dispute online, via good old-fashioned U.S. mail, or over the phone. To dispute an item on your Experian credit report by mail, print and fill out the online dispute form, which asks for information to verify your identity and allows you to note the specific items you're disputing and why you think they are incorrect. Then mail that form to Experian at P.O. Box 4500, Allen, TX 75013.\nThe dispute and investigation process cannot take more than 30 to 45 days, and most investigations are completed within a few weeks. Once the credit reporting agency has completed the investigation process, it is required to provide you with written results within five business days. END