Disclaimer: I am not being paid or sponsored by, and am in no way affiliated with any brands or products mentioned in this blog post. The opinions and conclusions of such are my own and are as a result of my unsolicited use of said products and brands.
About a month after mailing out your initial credit verification letters to the three main credit bureaus, you will start getting your responses. Each response will likely be a multipage document letting you know that an investigation has taken place and that the pages attached detail the results of that investigation.
Following are the results I personally experienced from each of the credit agencies.
I immediately set out writing my responses to all three credit agencies. As you will see in the 609 credit verification letter No. 2, I addressed the fact that the agencies incorrectly assumed I was disputing the items and that I was still waiting on physical proof that I had entered into contracts with these companies. I also addressed the fact that they claimed some of the items were “verified” as mine and asked them who specifically verified the items and how. Additionally, I reiterated by basis for writing in the first place, referenced the law and demanded again that I wanted to see proof, and that I would seriously consider a lawsuit should my demands not be met. I included a photocopy of the report they sent me, as well as a reference to the certified mail receipt from my initial letter with the date they signed for it to prevent the agency from claiming they ever received a letter in the first place. Additionally, I took a highlighter and emphasized all points in the letter that I wanted the bureaus to take note of, especially the laws and the fact that I was demanding physical proof of a contract.
I sent each letter immediately upon receipt of the agency responses, thereby keeping with the staggered schedule. The responses to this second letter were quicker in coming than the first round and looking back, I think that might have had something to do with the widespread snow storms we were experiencing earlier in the year. The results were more a bit more encouraging and were as follows:
So that’s where things stand for me as far as my 609 credit verification experiment. I recently sent out Letter No. 3 to TransUnion and Experian in an attempt to get those remaining negative items off my credit report, and am awaiting responses. Letter 3, as you will see, is pretty much a repeat of Letter 2, with a reminder of the law and the possible outcome of a lawsuit if the agencies don’t comply with the Fair Credit Reporting Act by either providing physical verification of the credit accounts in question, or deleting them. I will be sure to update you as to the outcome of those letters.
My takeaway from this whole experiment thus far is that it does work, it’s just a lot of tedious work and you really need to keep organized. I have files on each of the credit agencies in which I keep copies of the letters I send, responses received from the agencies, and the certified mail receipts for the letters I mail. I document EVERYTHING, including the date I receive responses from the credit bureaus. It doesn’t look like I will have to make good on my threat to file suit, but if for some reason I did go in that direction, having everything documented would really help my case.
Do you think you want to try this on your own credit profile? As promised, here is the link to download the letters in PDF format for you to send to the agencies, along with the agency addresses. I hope things work out for you!