FREE 609 Credit Verification Letters | The Pickled Ginger

FREE 609 Credit Verification Letters

by Colleen Elizabeth    

In this post you will find, as promised, the credit verification letters you need to send to the credit agencies demanding that they provide you with physical proof of signed contracts for your negative credit accounts or alternatively, delete them.

I know these letters work because I USED THEM MYSELF, word for word, to get current collection accounts and hard inquiries removed from my own credit profile, raising my credit score substantially – with positive results in as little as a month!

While not difficult, the process can be tedious and if you’re willing to be patient and somewhat organized, you can can succeed in giving your personal credit status a significant boost!

Feel free to download and use, making adjustments as you see fit.Ā  Additionally, drop me a line and let me know how your process goes!

Addresses for the Three Main Credit Agencies:

P.O. Box 2000
Chester, PA 19022


P.O. Box 4500
Allen, TX 75013


P.O. Box 740241
Atlanta, GA 30374


609 Credit Verification Letter 1


609 Credit Verification Letter 2


609 Credit Verification Letter 3



Free 609 Credit letter templates | The PIckled Ginger - Download our free 609 Credit letter templates and free yourself from bad credit!
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13 thoughts on “FREE 609 Credit Verification Letters”

  1. Kirsys F. says:

    Awesome post, I just prepared my letters with your templates. I’m sending them on monday. I will keep readers updated on my results. I’m really hopefull! I need to buy a house and my credit is making the process very difficult.

    1. Colleen Elizabeth says:

      Please keep me posted. I would love to hear how it works out for you. Also, while I did send my first round of letters all out at the same time, I did read that they really should be staggered every 3 to 4 days. There was no reason given for it, only advice from someone who worked for the credit agency who said that it was important to do. You might want to take that into consideration. I did make sure when I was sending out my follow up letters that they were staggered though.

      Anyway, my best to you! Let me know in a few months your results!

  2. corsha bowens says:

    thanks love… good to see good people out here.. everybody always want u to pay for something like were not already going thur something already… jerks….lol thank alot love kisses

  3. Miessha says:

    Thank you so much and God bless you so!

  4. Amy Salvador says:

    Thank you for providing the free templates. I’m going to embarked my journey to fix my debts. I will keep you updated with the results.

  5. Otto says:

    WOw.. thank you !!!!!

  6. Mrs Anderson says:

    Hi im on the quest to fix my credit and very thankful for you and the free downloads you have provided.

  7. Tavauna Grimes says:

    What do I put in the area that says provide physical verification? What happens if I am already disputing some of them?

    1. Colleen Elizabeth says:

      You don’t need to put anything in the box. I’ve already filled it in for you. I don’t know what will happen as far as the dispute, but be sure to let us know!

  8. Sasha C says:

    So glad I found your blog. Your letters are thorough and honestly the best templates on the internet. I appreciate you sharing this. I do have a question: Did you mail the letters along with your credit reports? My credit reports are about 60 pages long each (Thanks student loans LOL).

    1. Colleen Elizabeth says:

      Thank you so much, Sasha. No, I didn’t mail the reports with the letters. The info written in the letter is sufficient, and postage could get expensive with all that bulk!

  9. Ciara Canady says:

    Hi! Do I mail a copy of my ID and social security card with the letters?

    1. Colleen Elizabeth says:

      Hi Ciara,
      ID, yes; Social Security card, NO. The report number on the credit reports, along with a photo copy of your ID will be sufficient. Let us know how you get on!

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