Louisiana Sample Letter for Request for Removal of Derogatory Credit Information
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How to fill out Sample Letter For Request For Removal Of Derogatory Credit Information?
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FAQ
A 609 letter is a formal document consumers use to request more information about account details listed on their credit reports they believe to be erroneous and to request the removal or correction of this inaccurate information.
Your letter should clearly identify each item in your report you dispute, state the facts, explain why you dispute the information, and request that it be removed or corrected. You may want to enclose a copy of your credit report with the items in question circled.
Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment mark from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower.
A 609 letter (also called a credit dispute 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.
What is a goodwill letter? When you write a goodwill letter, you're asking a creditor or collection agency to remove a negative mark on your credit reports. Why bother? Dings on your reports, such as a late payment or an account in collections, stay on your reports for seven years and weigh down your credit scores.
If the derogatory mark is in error, you can file a dispute with the credit bureaus to get negative information removed from your credit reports. You can see all three of your credit reports for free on a weekly basis. If the derogatory marks are not errors, you'll need to wait for them to age off your credit reports.
File a dispute directly with the creditor Remember to include as much documentation as possible to support your claim. Including a copy of your report with any errors marked is also helpful. The creditor's address should mail the letter to is usually listed on your report, under the negative item you'd like to dispute.
What is a goodwill letter? In a goodwill letter, you ask the creditor that reported your late payments to remove the derogatory mark from your credit reports. Maybe you had an unexpected change of circumstances or financial hardship.