The term “609 letter” refers to a dispute letter that is sent to a credit reporting agency (CRA) to challenge inaccurate or outdated information on a credit report. The name “609” comes from the section number of the Fair Credit Reporting Act (FCRA), which outlines the rights of consumers to dispute inaccurate information on their credit reports.
t’s important to note that sending a 609 letter is just one step in the credit dispute process. You may need to follow up with the CRA and provide additional information to support your dispute. It’s also a good idea to keep copies of all correspondence related to your dispute, as well as any documentation that supports your case.
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