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Section 609 (c) Credit Restoration Secrets: Remove All Derogatory information In 30 Days Utilizing A Federal Law Loophole, A Process That Works EVERY SINGLE TIME! There are three major credit agencies in the United States: Equifax, Experian, and TransUnion also called credit reporting agencies (CRAs). Familiarize yourself with them- if you do not recognize their name by now you will. SECTION 609(c) of the Fair Credit Reporting Act does not matter whether the negative account is valid or not. The 609(c) letters dispute the credit reporting agencies (CRA’s) right to REPORT the adverse account – NOT whether or not the adverse account is valid. These letters will request, under SECTION 609(c) of the Fair Credit Reporting Act that the credit reporting agencies (CRA’s) send you a copy of the original contract that you signed from the creditor (called the information furnisher a person or company to whom money is owed) that the credit reporting agencies (CRA’s) are required to have in their database. I mean, if the CRA’s are verifying the account as being valid/correct then they, by law, are required to possess a copy of that contract to do so. BUT THEY DON’T. Since they don’t they can’t provide you a copy nor can they legally verify the account. Under the Fair Credit Reporting Act, they must provide you with a copy if you request it. Since they will not be able to provide you such a document the account will be UNVERIFIED and under Federal Law, any UNVERIFIED accounts must be deleted. How Interesting… What the CRA’s must have is the ORIGINAL SIGNED DOCUMENT from when you opened your account, credit card account or got your loan. Since all that paperwork for millions of accounts would be impossible to verify, not to mention how expensive it would be to do so, no one is verifying accounts in this manner. No verification of the original signed contract document ever happens between CRA’s and Data Furnishers (creditors). No one is reviewing ORIGINAL SIGNED CONTRACTS. No one knows that this occurs (except for those in the know and you are now in the know). The CRA’s are in violation of the FCRA since consumers don’t know their rights the Credit Reporting Agencies don’t do anything about this. Now that you are weaponized with this current knowledge YOU will be able to help yourself. Many of the adverse items on a credit report may, in fact, be 100% accurate. So, if you were to dispute the adverse items with a traditional dispute process most of those accounts will be “verified” and will stay on your credit report thus, in turn, keeping your Credit Rating down. That is NOT what you are going to do. You are going to dispute the Credit Reporting Agencies right to REPORT the adverse credit account – NOT whether or not the adverse credit account is valid, such as a bankruptcy, repossession or tax lien. Remember, your results will vary depending on how many accounts you need to dispute and so forth and so on. You may forward 1 round of 609(c) dispute letters and have everything delete it from your credit report or it may take 4 rounds of 609 dispute letters to have everything remove from your credit report. SECTION 609 WHY IT WORKS SECTION 609(c) of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account – NOT whether or not the adverse account is valid.