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The 609 Dispute Letter theory is if you ask the credit bureaus for information they clearly cannot produce as part of your dispute letter, like the original signed copies of your credit applications or the cashed checks used for bill payment, then they would have to remove the disputed item because it's unverifiable.

Send a dispute So, if you check your credit report and discover a collection account that shouldn't be there, you can send a dispute to Equifax, TransUnion, or Experian and ask them to remove it. Note: You can get a free copy of your three credit reports at AnnualCreditReport.com.

You can ask the creditor ? either the original creditor or a debt collector ? for what's called a ?goodwill deletion.? Write the collector a letter explaining your circumstances and why you would like the debt removed, such as if you're about to apply for a mortgage.

You'll need to dispute it with any credit reporting agency that's showing it on your credit report. The collections account information is correct, but you've made steps to remedy the situation. In this case, you can write a goodwill letter or pay for delete letter to ask for the account to be removed.

You won't be able to get a goodwill deletion for an unpaid debt or active collection account ? your creditor wants the money you owe. Start by checking in with your creditor to confirm that the debt has been paid and the account has been closed.

If you don't think you owe the debt Once you receive the validation information or notice from the debt collector during or after your initial communication with them, you have 30 days to dispute all or part of the debt, if you don't believe that you owe it.