Penn Foster College

• ACC 352080

• In a Nutshell A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It’s named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from unfair credit and collection practices. Written by Natasha Wiebusch, J.D.. Updated December 17, 2021 Table of Contents  Errors on Credit Reports  Credit Bureaus  Consequences of Erroneous Entries on Your Credit Report  Section 609 of the Fair Credit Reporting Act (FCRA)  What Is a 609 Dispute Letter?  What 609 Letters Cannot Do  How to Write a 609 Letter  The Credit Bureaus' Responsibility  Does a 609 Credit Dispute Letter Actually Work?  Let's Summarize... If you have bad credit or you’re trying to improve your credit score, you’ve probably heard of a 609 letter. A 609 letter is a credit repair method that requests credit bureaus to remove erroneous negative entries from your credit report. It’s named after section 609 of the Fair Credit Reporting Act (FCRA), a federal law that protects consumers from