Crcllc Section 609 Wizcreditguru 2y1yw

The Section 609 Credit Repair Letter INTRODUCTION: Cleaning your bad credit is not difficult. In fact, cleaning your credit is rela tively easy provided you have the right information. The attached Section 609 Attorney Credit Repair Letter is the correct information. Don t let the simplicity of this letter fool you. It works. Although results do va ry and it may take you a few rounds of sending the letter, eventually this method of cleaning your credit will work to completely clean your credit file of everythin g that you want removed. Here is WHY it works: There are three main Credit Reporting Agencies (CRAs) or bureaus. They are Equifax, Experian and TransUnion. When you engage in a credit transaction with a bank or other creditor normally this information will be reported to the CRAs an d placed into your credit file which is indexed under your social security number. It is important to understand that this method of reporting is completely electr onic. There is no verification or review of any signed contract or documents. Each mon th your bank or creditor sends an electronic file with the details of your to the CRAs and they simply place the information into your credit file with NO VERIFICATION as to whether the is valid, the information is correct or whether the creditor even has the right to report it! Page 2 of ? Basically the three main credit bureaus give the creditor the benefit of the dou bt that they are reporting accurate information. The problem with this method of reporting is that ANY CREDITOR can essentially report whatever they want about you whether it is correct or not. The Federal Government saw a big problem with this method of reporting so they ed the Fair Credit Reporting Act (FCRA) whi ch governs all Credit Reporting Agencies and how they report information about you. Under Federal law, all Credit Reporting Agencies MUST ALL INFORMATION received from creditors BEFORE this information is added to your credit file. Proper verification rightly involves actual review the original sig ned creditor contract document that you signed when you opened a credit in order to that the is valid and correct. But since reviewing milli ons and millions of paper documents in this fashion would be extremely difficult and cos t a fortune in man power the Credit Reporting Agencies simply DO NOT s in this manner. No verification of original signed contract documents e ver takes place between the creditor and the Credit Reporting Agency. The CRA just reports the information provided by your creditor and falsely assumes that it is valid and correct simply because it is being reported. And when asked to the information the CRA will simply send an electronic communication to the creditor asking is this information correct and the creditor will usually respond es this information is correct . The MADNESS is NO ONE EVER ACTUALLY VERIFIES THE ACTUAL SIGNED CONTRACT DOCUMENTATION.

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Most consumers HAVE NO IDEA that this is taking place. The Credit Reporting Agencies are in violation of Federal Law and they know it. But since most consumers do not know their rights - they don t do anything about it. Until now. Although well over 70% of credit reports have errors on them, the vast majority of negative items on a typical credit report are in fact VALID. Therefore, if you s imply dispute all the negatives on your report using a traditional disputing process, those that are valid will most likely be verified by the credit reporting agencies and remain. Nothing will change. For this reason, many people falsely believe there is NO HOPE in removing valid derogatory information from their credit report and essentially give up. But nothing could be further from the truth. With the Section 609 Attorney Credit Repair Letter, it doesn t matter whether the negative is valid or not. This letter works because it disputes the CRED IT REPORTING AGENCIES RIGHT TO REPORT THE NEGATIVE and NOT whether the is valid or not. The Section 609 &redit Repair Letter simply requests under Federal Law that the Credit Reporting Agency (Experian, Equifax or TransUnion) provide you a COPY of the original creditor contract which they ( SHOULD HAVE ) USED to the as being valid and correct. The CRAs are required under federal law to keep this information on file. But since the CRAs DO NOT the information they DO NOT have this information on file and as a result they CANNOT provide it to you. Under the FCRA, Credit Reporting Agencies must provide a copy of the verifiable original creditor documentation if it is requested by you the consumer. Since th ey cannot provide verification to you in the form of a physical contract document p er your written request to do so the is classified as UNVERIFIED and under the FCRA all UNVERIFIED s MUST BE DELETED. Whether the is correct or not makes no difference. If the CRA cannot provide you physical verification of the it is an UNVERIFIED and MUST BE DELETED. This is WHY and HOW the Section 609 Credit Repair Letter works. Keep in mind results will vary. You may send a letter and get virtually all of y our derogatory information removed. Or you may send a letter and only get a few s removed. It is important to be diligent and persistent. If after the fi rst round of letters derogatory information remains then simply send the letter Page 4 of ? again emphasizing that this is your 2 nd Written Request to receive verifiable proof of the or have it deleted. Eventually, you will find that your derogator y s will begin to disappear. For some people it happens quickly and is quit e easy and for others it can be a fight. So be prepared to go a few rounds of lett ers if required. What to Expect: When you send in your certified letter to the CRAs many times they will attempt to disregard your request and send you bogus reply communications. Expect to

receive any number of responses that may try to intimidate you from pursuing the issue further. Experian, Equifax or TransUnion may send you a communication saying something like this: We received a suspicious request regarding your personal credit information that we have determined was not sent by you. We have not taken any action on this request and any future requests made in this manner will not be processed and wi ll not receive a response. Oh really? Exactly HOW did they determine it was not sent by you . The letter was notarized and included a copy of your SSN & ID Card. To further scare you into submission, they may also include something like this: Suspicious requests are taken seriously and reviewed by security personnel who wi ll report deceptive activity, including copies of letters deemed as suspicious, to law enforcement officials and to state or federal regulatory agencies. DO NOT BE FOOLED BY THIS!!! These are nothing but scare tactics to intimidate you into giving up. Page 6 of ? Step 2: Review Each Report & Identify NEGATIVE Items to Remove 8VH?the Section 609 Credit Repair Letter for Experian, Equifax or TransUnion and s imply copy the negative inf ormation from your corresponding credit report into the letter to send to the Cr edit Reporting Agency. Note: Only dispute a maximum of 22 s at one time. Attempting to d ispute more than 22 s at one time could cause the CRAs to classify the dispute as frivolous. Example: You review your Equifax report and determine you have (3) negative acco unts to remove. Simply open the Equifax Section 609 Attorney Credit Repair Letter and type in the details from the negative s you want removed. That is it! Step 3: Notarize Letter & Include Copy of Social Security & ID Card Once you complete each letter, simply have your signature notarized, include a p hotocopy of your Social Security and ID Card (Driver s License or port) as proof of identity and mail the letter CERTIFIED MAIL. (This will enable you to track delivery of your letter and provide proof that it was received by the CRA) The next step is to watch the mail closely for responses from the CRAs. If you r eceive a response and some negative items were not removed AND the CRA DID NOT provide yo u written verifiable proof per your written request then send the letter again. RI NSE & REPEAT as they say. It is recommended that you open (3) file folders one for Equifax, Experian and TransUnion and keep very detailed records of your communications with each Credi t Reporting Agency. It is important that you establish a paper trail history of yo ur efforts to enforce your consumer rights under the Fair Credit Reporting Act. DOCUMENT EVERYTHING IN WRITING. Keep copies of letters, certified mail receipts, response letters, notes etc. Over time, you will build a very strong case against the CRA and this evidence w

ill be invaluable should you ever have to go to the unusual extreme of filing a lawsuit to seek damages. January 1, 2010 John Consumer Address City, State Zip SSN: 000-00-0000 | DOB: 1/1/1970 Credit Bureau Name Address City, State, ZIP According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are requi red by federal law to - through the physical verification of the original signed consumer contract - any and all s you post on a credit report. Otherwise, anyone p aying for your reporting services could fax, mail or email in a fraudulent . I demand to see Verifiable Proof (an original Consumer Contract with my Signatur e on it) you have on file of the s listed below. Your failure to positively these s has hurt my ability to obtain credit. Under the FCRA, unverified accoun ts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the s listed below. I demand the following s be verified or removed immediately. Name of Number Provide Physical Verification Creditor 1 1234567890 Unverified Creditor 2 etc Unverified Creditor 3 Unverified Creditor 4 Unverified Creditor 5 Unverified Creditor 6 Unverified Creditor 7 Unverified Creditor 8 Unverified Creditor 9 Unverified Creditor 10 Unverified Creditor 11 Unverified Creditor 12 Unverified Creditor 13 Unverified

Creditor 14 Unverified Creditor 15 Unverified Creditor 16 Unverified Creditor 17 Unverified Creditor 18 Unverified Creditor 19 Unverified Creditor 20 Unverified Creditor 21 Unverified Creditor 22 Unverified * Please remove all non- holding inquiries over 30 days old. * Please add a Promotional Suppression to my credit file. Thank You, {YOUR NAME HERE} IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. Signed, sealed and delivered in the presence of: {PRINT YOUR NAME HERE} __________________________________ _________________________________ Witness 1 Print: Signature __________________________________ Witness 2 Print: STATE OF COUNTY OF I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared { YOUR NAME HERE }, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/ she executed the same. WITNESS my hand and official seal in the County and State aforesaid this _____ d ay of ____________________ 2010. ___________________________________ Notary Public Printed Name: My commission expires: COPY of SSN CARD COPY OF ID CARD (Driver s License, port or State ID Card)