Section 609 of the FCRA lets you demand the original documentation for any item on your credit report. Bureaus rarely have it — and when they cannot produce it, the item must be deleted.
Answer 3 questions. Kredora Prime auto-fills the legal citations, formats the letter, and gives you a ready-to-mail PDF. Free forever, no credit card.
Start freeA 609 letter is a credit dispute that cites Section 609 of the Fair Credit Reporting Act (15 U.S.C. §1681g) to request the original documentation that proves an account belongs to you. Bureaus rarely have this documentation, so they often delete the item rather than provide it.
It works when the bureau or furnisher cannot produce the original signed contract or verified paperwork. It is not magic — the strength comes from combining §609 with §1681i (reinvestigation) and §1681e(b) (accuracy) demands in one letter.
Include the last 4 digits only, plus a copy of your Social Security card if you want to be thorough. Never send the full number in unsecured mail without ID protection.
As many as you want, but rotate the legal basis and add new evidence each round. Sending identical letters back-to-back can be flagged as frivolous under §1681i(a)(3).