Offer pros and cons are determined by our editorial team, based on independent research. So if sending a debt validation letter is part of your strategy to clean up your credit report, please know that it is possible that your credit report could be negatively impacted in the future if the account remains unresolved and is validated in the future, provided it's still within the 7-year reporting period. Re: Validation for Acct # XXXX-XXXX-XXXX-XXXX To Whom It May Concern: This letter is being sent to you in response to a listing on my credit report. This might just seem like legal jargon to you right now, but, really, it’s a way out of bad credit. There is no such "609 Dispute Letter" anywhere to be found in the FCRA. I have also highlighted all relevant items on the attached copy of said credit report. Once … Pay attention to spelling and grammar, too, as you want to be as clear and concise as possible. Understanding Your Experian Credit Report, Hard vs. Soft Inquiries on Your Credit Report, What You Can Do to Avoid Identity and Credit Fraud, Credit Card Fraud: What to Do if You’re a Victim, How to Build and Maintain Good Credit at Every Stage of Life, What to Know About Employment and Your Credit, How to Manage Your Credit During a Divorce, How to Handle Credit and Debt After the Death of a Spouse, These Tips Can Help You Improve Your Credit, Personal Loans: What to Know Before You Apply. The keys to an effective dispute letter are specificity, attention to detail, and accuracy. Experian Boost helps by giving you credit for the utility and mobile phone bills you're already paying. The validation letter might leave you with more questions than answers. Make sure you note which sub-section you are quoting from. Following the Section 609 Credit Repair strategy has made a difference for many people. You want to directly cite and quote Section 609 in your letter to the credit bureau, reinforcing that it is your right to dispute the items on your report. What Can’t You Dispute on Your Credit Report? I have attached copies of relevant documentation. You must include verification of both your full name and  your SSN. All of them reference Section 609 of the FCRA, but they can all be tailored to fit your unique situation. 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. You can also get a free credit report from Experian every 30 days. When you do mail the letter, make sure that you request a delivery receipt, so the company cannot claim that they never received it. I thank you in advance for your prompt response and resolution of this issue. follow up with a credit reporting agency after receiving verification of a disputed delinquency As is my right, I am requesting verification of the following items: [List any/all items you’re looking to dispute,including the account name(s) and number(s) as listed on your credit report]. If you have debt that is years old, you can argue that the collections companies or credit bureaus cannot prove that the debt is actually yours. These letters, which any third-party debt collector must send by law, contain the amount someone owes on the debt and the name of the creditor in question. 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. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. 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