Credit Repair FCRA Section 609 instructions and letter for FREE!!!!!

I've finally decided to take on the credit reporting industry because they have pissed me off and all the silly ass nonsense rules they have about "scoring" your credit, and the bullshit commercials on TV.

What the fucking CRA's (credit reporting agencies) that run Credit Karma and Credit Sesame don't tell you is that the credit score you see on those sites, and even the credit score you see if you pay for it is totally worthless. And the same goes for the FICO score you get from MyFico. Because none of them will be the same as the score that your lender pulls up. And the score they pull up will be worse than the one you pull up.

Why? I'm just guessing here, but I figure it is so they can charge you higher interest rates.

A couple of weeks ago, I ran up my credit card to 70% of it's limit with a big item purchase and that dropped my credit score down 70 points on all three. And when I paid the balance off it raised 70 points on Experian and Transunion, but only 50 points on Equifax, even though I was only using 5% of my credit on all three.

So that's it, I'm calling bullshit and declaring war.

And I am about to piss off not only the CRA's but all the assholes out there charging $49.99  for their secret Section 609 Credit Repair Kit letters by publishing three "attorney approved" letters that are supposed to get accurate negative items removed from your credit report without disputing them.

See, the CRA's won't remove accurate negative items from your report no matter how much you dispute them. But if you request or demand that they provide you with proof that they have verified
that the account is yours, they can't. And the reason they can't is that they don't have a copy of the contract. And in section 609 of the Fair Credit Reporting Act, it says: "a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or cannot be verified."

It's the "cannot be verified" loophole that the 609 letters seek to exploit.

For the record, I found these letters and instructions for free on the web. So I am not violating purchaser agreement or terms of use or anything. If you're one of the companies looking to sue someone sue the jackwagons who bought your package and then posted them.


Here is basically what you do.

1. Copy and paste the letters to a word or google doc.
2. Edit the letters adding your info and changing the name and addresses to the appropriate CRA.
3. Handwrite the account information for each account you want deleted. USE a blue pen and don't try to be terribly neat. (The point is that when they get these letters they just scan the accounts into their system and a form letter is spit out telling you the account is verified. The handwritten in blue ink forces it to be read by a real person. This is important because the real person will get the demanding and vaguely don't fuck with me tones in the letter.)
4. Make a copy of your driver's licence  or other photo ID and your SS card. This is important because you need to prove who you are and without them they won't pay any attention to your letter. BE SURE TO SEND COPIES WITH EVERY LETTER.
5. Ignore any letters they may send you demanding more info, telling you the accounts are verified or stalling in other ways. Stick to the letters 1 then 2 then 3 and if necessary the notice of your about to sue their ass. BUT KEEP ALL CORRESPONDENCE FROM THEM. You need evidence if they do force you to sue. 

It is, according the theory behind this, highly unlikely they will make you send letter 4. This is because you are a small fish, and if you get an attorney and sue them the word may get out and their business model will be severely damaged. Especially if you go for a class action suit. So they are highly incentivized to avoid being sued. They are also highly incentivized to string you along and try and not delete the negatives, so you will have to be patient. Just follow the plan and play their little game. 

I am making no claims as to whether these letters will work. The theory seems sound though and the law is fairly clear on this subject. I am sharing these letters and the instructions above in the hopes we can start a movement and get enough people fighting back to bring attention to the fact that the CRA's are ignoring the law, and are ignoring our consumer rights. 

If it doesn't work, then at least you didn't spend fifty bucks on it and you can have the satisfaction that you were a pain in the ass to those SOB's! 

Here is letter 1

Current Date

Your Name

Address

City, State, Zip Code

SSN: ###-###-###

DL #: ###########

D.O.B.: ##/##/####

CRA NAME

Address

City, State, Zip Code

According to the Fair Credit Reporting Act, Section 609 (a)(1)(A), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately.

Name of Account	Account Number	Provide Physical Verification Creditor

Thank you for your prompt assistance in this matter.

Sincerely,

Your Name

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Letter # 2

Current Date

Your Name

Address

City, State, Zip Code

SSN: ###-###-###

DL #: ###########

D.O.B.: ##/##/####

CRA NAME

Address

City, State, Zip Code

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor’s documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you “verified” that these items are being  “reported correctly”?

      Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA

I demand the following accounts be verified or removed immediately.

Name of Account	Account Number	Provide Physical Verification Creditor

Thank you for your prompt assistance in this matter.

Sincerely,

Your Name

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Letter 3

Current Date

Your Name

Address

City, State, Zip Code

SSN: ###-###-###

DL #: ###########

D.O.B.: ##/##/####

CRA NAME

Address

City, State, Zip Code

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you “verified” that these items are being “reported correctly”?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as  required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A). Furthermore you have failed to provide the method of verification as required under Section 611 (a) (7).

Please be advised that under Section 611 (5) (A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or removed immediately.

Name of Account	Account Number	Provide Physical Verification Creditor

                       .

Thank you for your prompt assistance in this matter.

Sincerely,

Your Name

---------------------------------------------------------------------------------------------------------------------

Current Date

Your Name

Address

City, State, Zip Code

SSN: ###-###-###

DL #: ###########

D.O.B.: ##/##/####

CRA NAME

Address

City, State, Zip Code

 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Real Results

I demand the following accounts be verified or removed immediately.

Name of Account	Account Number	Provide Physical Verification Creditor

                       .

Thank you for your prompt assistance in this matter.

Sincerely,

Your Name

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Let's stick it to the man!