Frequently asked questions

How long will this take?

Because credit repair depends on a variety of factors the time will vary. On average clients are satisfied with the results by four months to six months.

Is my information secure?

Yes, your information is totaly secure. Client Data Protection is required by law. Our website and your payment is secure. GumRoad's site uses TSL a higher grade of security than SSL, with 128-Bit encryption and using modern SHA2 cyphers. Your payments are processed using PCI Compliant Services Providers. PCI compliance means that our providers meet current security standards for handling payment information.

The credit bureaus say they “verified” or “will not reinvestigate” or “Meets FCRA” what do I do?

This is a “Scare Tactic” to scare you to stop. You must continue to dispute. Use our “Response & Stall Tactics” letters found in the package.

What other documents can be used to validate ID and address?

List of accepted documentation to validate ID:

  • Valid driver’s license
  • Social Security card
  • Birth certificate
  • State ID
  • Military ID
List of accepted documentation to validate address:
  • Utility bill
  • Cell phone bill
  • W-2 form
  • Bank statement
  • Insurance statement

I received a request to handle my disputes online. What should I do?

IGNORE IT! Wait for the official dispute summary in the mail. NEVER ever dispute online.

Is credit repair legal?

Credit repair is 100% legal and it works because of the law. The Fair Credit Reporting Act gives you the right to dispute any item on your credit reports that are inaccurate, obsoleteoutdated, or unverified. If an item cannot be verified it must be removed. If an item is inaccurate it will be updated. In some cases, we can negotiate payment to original furnishes of debt and/or collectors of debt on behalf of clients.

They sent a statement showing what I owe, can I still dispute?

Yes. A statement of what you owe is not proof of your debt. You must receive an original signed document contract as proof of a debt.

What is credit?

Credit is the ability to obtain goods or services before payment, based on the trust that payment will be made in the future. You get credit from a credit grantor, whom you agree to pay back the amount you spent, plus applicable finance charges, at an agreed-upon rate and time.

Where can I get my free credit report?

You can get it here: You're entitled to one free copy of your credit report every 12 months from each of the three credit reporting bureaus.

Where can I get my credit score?

You can obtain your true credit score (FICO score) here at:

Do all letters have to be notarized?

No. This is not mandatory. But we do recommend that you get your letters notarized. If you choose to get your letters notarized, make sure you wait to sign your name in front of the notary of the public. They are confirming that you are who you say you are and that you are signing the letters. Having your letters notarized is an extra step you can take if you have to file a lawsuit later.

I have gone through all 4 rounds of disputes. What do I do now?

Have you have kept all your certified mail receipts? Have you given the credit bureaus written notice of pending litigation? Here are your options: 1. Start over from Round 1 and dispute again. 2. Hire a lawyer to sue the credit bureaus.

Which credit bureau address should I send disputes to?

Here are the links where the credit bureaus display their official addresses for sending dispute letters: 1. 2. 3.

What is a credit score?

A credit score is a numerical expression based on a level analysis of a person's credit files, to represent the creditworthiness of an individual. Lenders use credit scores to determine who qualifies for a loan, at what interest rate, and credit limits.

What are the three credit reporting bureaus?

The three credit reporting bureaus are Experian, Equifax, and TransUnion.

Can I repair my credit myself?

Absolutely. You know your situation more than anyone else. That is why we offer our 609 DIY PACK dispute package.

What is the Fair Credit Reporting Act and why was it created?

The Fair Credit Reporting Act (FCRA) is U.S. Federal Government legislation passed to promote the accuracy, fairness, and privacy of consumer information collected by the credit bureaus.

Should I wait or send the letters all out at once?

Specifically, I would send one round of dispute to each bureau every 30 days.

What's a good credit score?

A good credit score ranges between 700 and 749. An excellent credit score is between 750 and higher.

What's an average credit score?

An average credit score is between 650 and 699.

I received an update from Equifax. One account was removed but 3 others were only updated. Is this when I send the second round of letters? And where do I view them to see what they were updated to?

Yes, send round two and pull your credit report again. You can also subscribe to a monitoring service that allows you to check your credit report anytime.

What is credit history?

A credit history is a record of a borrower's responsible repayment of debts.

What if I don’t have the entire account number?

Contact the collection agency for your account information, numbers, etc. You can find all collections contact information on your credit report.

Can I dispute student loans?

Yes, use our “Student Loan Removal Letters” in the 609 DIY PACK dispute package.

I see my credit report on Credit Karma but I can't locate any account numbers.

Credit Karma does not have your account numbers. Contact the creditor for your account information, numbers, etc. You can find all collections contact information on your credit report.

I disputed online, can I still dispute or will this still work for me?

Yes. You can still dispute. The only way to dispute using the Section 609 method is by written request only.

Does this remove judgments?

Yes, 100%. Many clients reported judgment removal.

How can I track my credit score?

The best way to track your credit score is by subcribing with myFICO. Subscribe here:

There is also a public record debt that is now a $0.00 balance and showing on my report do I dispute this too?

Yes! All negative accounts. They all make your score worse.

I received a request from collectors or credit bureaus for “more information”.

Ignore it. Wait for the official dispute summary in the mail.

Can I get a loan with bad credit?

Sometimes. It depends on the creditor. Your interest rate may be higher than usual.

What to do when collection agencies keep calling me?

Use our letter called “Cease Phone Calls” under the Collections folder in our package.

Should I pay my old delinquent accounts?

In most cases No. Having the delinquent account on your credit report will not change your credit score by paying the account off. I would dispute to have the account removed.

Will this work in my state?

This is a federal law, so yes, it will work in your state. It will work in all 50 states.

What is the order of the video series?

Part 1- Introduction Video Part 1- Pulling Your Credit Report Part 2- FICO Score Part 3- Filling Out Dispute Letter Part 4- Notary Part 5- Sending Via Certified Mail Part 6- Keeping Records

I got a request to remove myself from promotional offers. Do I need to fill that out?

No, you can ignore it. Just wait for the official dispute summary via mail.

Can this remove child support?

This in particular can be tough but, yes. Make sure to go through all four rounds, if neccessary.

If a student loan is in default or if paying through a collection agency currently, can I still send the dispute letter to the credit bureau for the student loan?

Yes to both, if you plan to stop paying completely.

Does this work for repos?

Yes, 100%. People remove repos every day. Make sure to dispute them.

I sent my first round of letters but I noticed that I accidentally left one account off. Should I submit another letter with only that one negative account that I accidentally left off?

No, just add it to your next round of dispute letters.

I paid the debt or collector, can I still dispute?

Yes, you can dispute. Because you are not disputing whether the account is valid or not. You are disputing agencies right to report.

I have had my car repo'ed last year but got it back within a week and I still pay on it and I am driving it today. Do you have a letter to dispute this on my credit report?

Use goodwill letters for late payments and dispute the collection account if the account is back with the original lender.

Can this work for a tax lien?

Yes. Use the ‘Remove Tax Liens’ letters in our package.

If the public record is a judgment, I just put judgment on my dispute? If so what about an account number?

There may not be an account number. Put all the info you have. There may be a “docket number” or however it is identified.

What is a charge off?

A charge off is the declaration by a creditor that an amount of debt is unlikely to be collected. This occurs when a consumer becomes severely delinquent on a debt.

What if a credit bureau sends me proof?

They never have. Only an original creditor can. However, let’s say for some reason there is proof of the account saying it’s yours, either from a creditor or a credit bureau, you can negotiate a pay for removal with your original creditor. Remember, a collection agency never has proof that the debt is yours. This system will work every time on a collection agency so you don’t need to pay a collection agency.

Why do they send you 5-year notice letter to have your name taking off a list? I have been sending the letters and ignoring what they send. Am I doing the right thing?

Yes, you are. There is a footnote in the dispute letters that removes you from pre-approved notices. It helps with the repair process.

Do the “Student Loan Removal” letters actually discharge student loans?

Your results may vary. After disputing and using the “Student Loan Removal” letters you may need to hire a lawyer to sue your way out of Student Loan debt. The “Student Loan Removal” letters will have you send letters demanding to see the original instrument of indebtedness. If your lender does not have it then they cannot prove the debt is yours.

What is a judgment?

A judgment is an order entered by a court of law indicating the court’s findings. A judgment gives the creditor the right to use additional collection methods to collect the debt owed to them.

How long should I wait for a response before I start sending the second, third and fourth letter?

Always wait 30 days. Remember, 30 days after the credit bureaus received your dispute letters.

It’s been 30 days, some of the bureaus responded or some of them didn’t respond. What do I do?

Send your next round of letters. Always send the next round of disputes. Do not stop, that is what they want you to do.

Can I remove inquiries on car loans?

Yes, use the inquiry removal letters in our package to remove inquiries.

What's the fastest way to increase my credit score?

The fastest way to increase your credit score is to become an authorized user on someone else's credit card account. They must have good or excellent credit to bring you up. Also, once you have removed your negative accounts apply for credit card and pay it on time and don't carry a balance over 9% of your card’s limit for the highest impact.

I only included the original credit account and the account number. Should I have also included the collection company that bought the account?

Yes, you want to dispute both even if it is the same line of credit because it is reported twice. Dispute all negative accounts.

I'm awaiting my driver’s license. I have an old one that has not expired but has my old address on it. Can I use that to start or wait for the replacement license?

More than likely your old address is on your credit report file. I would get started and send my first round with my old license, then when you receive your new license update your personal information with the credit bureaus via online, phone, or letter.

What if the account is open, can I dispute it and will I still have to pay?

Remember, only dispute an account that is derogatory or negative on your credit report. When an account is not paid, late, or has gone to collections, then dispute a credit agency’s right to report.

Is it possible to remove inquiries?

Yes, but it can be harder so you may have to dispute them a few times with an inquiry removal letter as well the 609 dispute letters have a footnote that reads “Please remove all Non-Account Holding Inquires over 30 days”. So it may just take a few rounds.

Is it normal for a creditor to send your past due account to a collection agency right after you send your first round of letters?

No, but if you have been past due for a while they may have just done so.

If my accounts cannot be verified, can the creditors come after me or resubmit for another collection? How can I keep these from continuously being added to my credit report?

Once a collection from a creditor, bank, loan, or negative account is removed, the credit bureaus keep it off because it is unverified and illegal. So if it comes back you can sue or at the very least dispute again. If it does not come off, then hire an attorney and sue. You have rights and the law is on your side.

What if the account just has late payments, how do I remove them?

Use our "Goodwill letters" for late payments.

Can I dispute my apartment lease debt?

Yes, you can dispute it. The credit bureaus (Equifax, Experian, and Transunion) must have the original signed document contract in order for it to be legal to report negative on your credit file. Sometimes a collection agency has those lease agreements on file. If you choose to pay off your debt, use our Pay for Deletion Letter in the package.

I disputed and had accounts removed but my score decreased, is this normal?

If you don’t get all your negative accounts removed all at once and had your oldest credit line removed it could lower your score. If items are still being reporting every month as negative, it will bring your score down. If you don’t have many positive accounts it can bring your score down. But you need to remove all the negative accounts and then your score will heal and you can start to build your credit.

Do I include my student loans in my first letter to the 3 credit bureaus or do I send them to the department of education?

Use dispute letters in package to dispute with the credit bureaus. Use “Student Loan Removal” letters to send to the department of education.

Can I dispute accounts that say "closed" payment "unknown".

Yes. Dispute all negative accounts.

I recently went to court for a medical debt, and promised to pay on a payment plan. Can I still dispute this even though I promised to pay?

Again, always dispute all your negative accounts.

How long do negative items stay on my credit report?

Inquiries stay on your report for two (2) years. Paid tax liens, late payments, paid student loan default, and collection accounts stay on your credit report for seven (7) years. Unpaid tax liens, unpaid federal student loans, and criminal convictions stay on your report for ten (10) years.

I've mailed everything off, following each step suggested in the instructions. What do I do next? How effective is the dispute process?

Make sure to track the letters with the receipt you received from your certified mail. After the credit bureaus receive the letters, they have 30 days to respond. Keep good organized records. From you mailing the letters with tracking to the date they get them to when you get the response. If they mess up anywhere you can sue. If they fail to verify within 30 days, they delete the negative accounts. If they fail to provide physical proof to you within 30 days the negative accounts are deleted. And if they try to stall you send another letter. They might try to call your disputes “frivolous”. Use our “Response to Frivolous Accusation” letter in the Response & Stall Tactics folder. If they don't delete the negative accounts, sue the credit bureaus a in small claims court.

Should I dispute an adverse account even though it’s paid and closed?

Yes. Dispute all your adverse/negative accounts. Any account in the adverse/negative column of your credit report is bringing your FICO score down.

It has been almost 4 weeks and I have not received any responses from the credit reporting agencies. What should I be expecting at this time? When do I send the next round of letters? Are they supposed to send me an updated report and when do they update the reports and FICO Scores?

If it has been 30 days send your next round of letters. They are supposed to send you an updated report but they get thousands of disputes every day. FICO Scores update every 30 days.

The credit bureaus stated that they will not re-investigate unless I send supporting documents. What do I do?

Again, keep disputing. These statements are designed to scare, confuse, and intimidate you. Don’t be fooled, you can get rid of the negative accounts, but you must keep going.

Can you remove a Bankruptcy ?

Yes. Although, removing a bankruptcy can be a lenghty and difficult process and doesn't guarantee results, we have seen results with past clients.

What if they verify an account after all 4 letters?

In the unlikely event that occurs you can send a dispute letter to the actual creditor and demand to see the original instrument of indebtedness in its original form to see if they do indeed have it. If they don't remove it and don’t have proof you can sue.

I sent out my first 2 rounds of letters and some of them were joint accounts and now my ex-spouse is paying the collection agencies. Will this affect what happens? Will the collection accounts that have currently disappeared reappear as paid in full and if so what should I do? Wait until he is done paying off everything and then send my last two letters?

They will most likely not reappear on your report, but if they do then you dispute them and if they don’t come off you have to dispute some a couple more rounds or hire a lawyer to sue the credit bureaus for doing that.

Do you leave the "Unverified Account" in the dispute letters in the “Provide Physical Verification” column? Or do I leave it blank?

Leave the “Unverified Account” in the dispute letters.

Can I add more accounts on another piece of paper?

Yes, you can. But remember do not dispute more than 22 accounts at one time.

Does my utility bill have to be on the same page as my commissions?

No, it does not. You can attach and submit a copy of a current original mailed utility bill along with your letter.

What is a "good" credit score?

Bad Credit: 300 – 600 Poor Credit: 600 – 649 Fair Credit: 650 – 699 Good Credit: 700 – 749 Excellent Credit: 750 – 850

What's the difference between Vantage Score and Fico Score?

The Fico score is the leading and original credit scoring model that most lenders use.There is not just one FICO score. All FICO scoring models were developed by the Fair Isaac Corporation.The VantageScore was developed by the three major credit reporting companies: Experian, Equifax, and Trans Union.

Should I dispute Equifax after the security breach?

Yes absolutely, do not wait or stop disputing because of this security breach. This is not your problem. The burden and responsible is on Equifax, continue disputing.

Can I remove student loans?

Yes, some of our customers have been successful in removing the reporting of student loan debt to one's credit profile. However for clarity, removing a student loan from your credit profile does not get rid of the student loan. You must have this debt "discharged" with Sallie Mae, now Navient, which acts as a collector for federal student loans on behalf of the department of education. The point of removing students loans off of your credit report is so that you can access NEW CREDIT. Don't let student loans keep you from obtaining new credit.

Should I get a CPN?

We do not recommend the use or obtaing a Credit Privacy Number or CPN. Note: Many of these numbers come from deceased indiviuals.

How do I get my middle score?

To determine your middle credit score, write down your credit scores in order form, from lowest to highest. The credit score in the center, is your middle credit score. For instance, if your credit score is 673 from Equifax, 710 from Experian and 750 from Transunion, your middle credit score is 710.

Do I have to sign the dispute letters?

No, you Do Not have to sign the dispute letters that you mail off to Creditors, Collection Agencies, or Credit Bureaus. We actually recommend that you do not.

©Copyright 2021 609 DIY PACK. This Site is an educational service that provides general credit repair information. Nothing on this Site constitutes legal advice. Seek a qualified attorney if you need legal advice.