What is a 609 Letter and Does It Really Work?

Written By Mary Beth Eastman
Last updated January 28, 2021

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February 28, 2019

Simple. Thrifty. Living.

As you research your credit repair options, you may have come across this unfamiliar term. For those who are unfamiliar, a 609 letter is a letter that is written to dispute items that include errors and other inaccuracies that are affecting your credit report. Are you considering using a 609 letter to clean up your credit report and/or fix your credit score? The following is an overview of what they are and how they work.

Based specifically on the rights granted under Section 609 of the Fair Credit Reporting Act, a 609 letter mandates that credit reporting agencies are required to disclose certain information that has been requested by consumers. Given that credit agencies are required by law to include only verifiable information on a credit report, writing a 609 letter is a good way to remove inaccuracies and other problematic information in your credit report that may be adversely affecting your score.

In particular, writing a 609 letter allows you to request the following information from a credit agency:

  • All info on your credit report.
  • Who reported the info.
  • Names of potential employers and employment agencies that accessed your credit report for a background check over the past 2 years.
  • Soft inquiries made by businesses over the past year.

Depending on what your goals are, a 609 letter may or may not work for you. For instance, if you feel you have inaccuracies on your credit report, writing a 609 letter can help you get them removed. Moreover, if you have outstanding items that you believe should have been already been removed from your report (such as inquiries or minor debts from decades ago), a 609 letter can also help with those. However, a 609 letter is not a loophole to get out of legitimate debts, and it won’t take those off.

Overall, 609 letters are a good tool for those who believe they have inaccuracies and dated items that may be adversely affecting their credit scores. But if a letter is not enough, turn to the best credit repair services. Sky Blue Credit Repair, Credit Saint and Lexington Law are three highly-rated choices for companies that will put their full strength behind getting your credit repaired, giving you options beyond a 609 letter that can make a real difference.

About the Author

Mary Beth Eastman

Mary Beth Eastman serves as the content manager for Simple. Thrifty. Living, where she is dedicated to helping readers use money and credit wisely. Mary Beth believes that access to the right financial information paired with a growth mindset are essential tools for getting out of debt and building wealth. Mary Beth has a degree in Journalism from Bowling Green State University and has focused her 20-year journalism career on putting readers front and center, carefully considering their concerns and presenting information that will help them in their everyday lives. She has won numerous statewide journalism awards. Her writing on personal finance as been featured on numerous websites in addition to Simple. Thrifty. Living, including Huffington Post and Lexington Law blog. Mary Beth resides in Pittsburgh, Pa., with her family and two rescue dogs.

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