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.  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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62 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!

  10. DaveTV says:

    If the corporate office of all 3 bureaus is known, why not send them there? You can do a Corporation/LLC search in their respective states and get their physical address. Wouldn’t this be more effective? Your thoughts?

    1. Colleen Elizabeth says:

      It may be more effective. If I had that information, I might do that as well as the address given for the inquiries.

    2. Henry says:

      Do you use a pen to write your info on the letters or it has to be typed in? Thanks

      1. Colleen Elizabeth says:

        Hi Henry, I actually used a pen and neatly wrote in the info, though I’m not sure it matters. Best of luck!

        1. Henry says:

          Thank You and GodBless darling! You are making a difference on this world

  11. Felicity says:

    Hi, Colleen

    Should I mail the first 609 letter via certified mail or send through regular mail? I’m send 6 letters, three for myself and three for my husband. Also would it work for a repossession?

    1. Colleen Elizabeth says:

      Hi! All correspondence sent to the agencies must be certified ALWAYS. This provides proof of their receipt. This process can be done for any and all items on your report you wish to request verification for.

  12. Sarah says:

    Hi Colleen

    I was wondering if there’s a template or information you have that you can provide me with regarding deleting hard inquiries and valid late payments on the report. Also, what is the law regarding hard inquiry and late payments being reported? I don’t want them to remove the entire account because of an old late payment. I need the history of that account to reflect for age and utilization and other month’s good payment history. Also, any experience you could share regarding yours or others disputes to the CB’s regarding hard inquiry removal or late payment removals would be appreciated. (the late payments were accurate, but I still want them off the reports. Is there a law they have to abide by regarding this? Please provide template letter if you have.)

    Thank you so much

    1. Colleen Elizabeth says:

      Hi Sarah. I don’t really know how to answer your question, as I am no expert on credit matters. This is just my personal experience. I was, however, able to get the hard inquiries removed using the letter templates I’ve provided. I just referenced the inquiry and asked the bureau to provide me with the signed applications. When they couldn’t, they deleted them. With regard to the valid late payments, I don’t know. If your current payment history with a given creditor is good, then I can understand not wanting to have the account deleted. I am unaware of any process that will delete just negative instances off of accounts as opposed to the account as a whole.

      1. Sarah says:

        ok, thank you

  13. Kristine (#K4Real?) says:

    Hi! Your site is the BEST out of all I have looked at. And Ive been looking for last 2 hrs for ones that I am comfortable using. The letters are neat, simple, clean and to the point. Thank you.
    I also wanted to say to anyone trying to get a loan for a home…pull your free reports for all 3 bureaus from and look them over…BEFORE you get a preapproval with a lender! If they pull the scores for you and you decide not to use them within 15 days because of credit issues…your credit will be affected by at least 20 pts. And DO NOT let them talk you into using a credit repair company. It costs $$$ and you can do it faster for free using these templates from this site. I say this from personal experience and also from my clients. I am happy I kept looking and will keep you posted on what happens. Mine will definitely be a major success story for sure!

  14. Kristine (#K4Real?) says:

    Correction to site listed above….sorry!

    is ONLY free website required by law with credit bureaus to give reports for free!!

  15. LaTonya says:

    OMG!! I been searching for 609 letters and came across this site and was amazed. Thank you so much for this information.

  16. Phil says:

    If I disputed something as “paid” on Equifax, will that affect my ability to use this letter to remove it completely?

  17. Matt says:

    Thank You very much for providing these clear and concise documents. I hope to The Most High these can get wiped out. Thank You and GodBless

  18. Thank you so much for providing these clear and concise documents. I hope to The Most High I can get these wiped out. Thank You and GodBless

  19. Barbara says:

    Thank you so much for you 609 templets I had no clue that this was even possible, I came across your blog while I was researching 609 letters, I know God sent you to me for a reason, I sent out my first letter on the 5th I am sending my next letter out on Monday, I am so excited to see what the outcome is, thank you so much for honesty, I am so glad to see this would is still full of great people!!!

  20. Maria Nieves says:

    Do I have to include my former name if my last name changed?

  21. Steph says:

    I have admitted that I incurred the debt through their automated system. Will they come back to me and say that they have the recording or something. Will I still be able to use these documents. It was for my hospital bills.

    1. Colleen Elizabeth says:

      Well, the whole 609 process has nothing to do with denying or admitting ownership of the debt… It’s simply about their right to report it to the credit agencies. By law, if they do not have your signature on a document from the debtor, they are not allowed to report the account.

  22. Henry says:

    Hi, how can I edit this letters? Goole drive and word doesn’t let me. Thanks for you response.

  23. G Harris says:

    I have used these letters and have gotten my student loans off of my credit report! Thank you!!!

    1. Colleen Elizabeth says:

      That’s great news! Thank you for sharing!

    2. Henry says:

      how can I edit this letters? Google drive and word doesn’t let me. Thanks for you response.

  24. Kauakehaulani says:

    Thank you so much for sharing and mapping out all the detailed information needed to get my credit letters done on my own. My question is Do I have to include my former name if my last name changed due to marriage?

    1. Colleen Elizabeth says:

      It’s probably a good idea to give them any and all information to help identify yourself, including aliases or maiden names.

  25. Richard A says:

    Hey quick question i havent seen on here. Do i have to know my “Account name” and “account number” to send them? If so how do I find that information?

    1. Colleen Elizabeth says:

      Hi Richard, I found that just copying the account information exactly as it is on your credit report is sufficient to submit for verification. If it’s not listed on your credit report, than it’s really not a problem as it’s not affecting you.

      Likewise, if it’s a lien or inquiry that you’re asking the credit agency to verify, just write it exactly as it’s listed in your report.

  26. Polo Logo Lou says:

    Hello, and good day. I’m writing to ask what is the line for the report number for?

  27. Twun says:

    So I’ve sent my second letter, i’m getting ready to send my third and there are 3 items that remain. If I did not include my id initially do you think that affect the results?

    1. Colleen Elizabeth says:

      I really couldn’t say what their basis for picking and choosing what to comply with is; however, it’s best to always include absolutely any and all helpful information you have to minimize the agencies claiming they couldn’t verify your identity, etc.

  28. Katie turner says:

    Hello I have tried to open all three links for the letters but none of them are working. 🙁 any suggestions thank you again I have read your blog and I am really hoping that I can get some good results for both my husband and myself.

  29. Henry says:


    1. kenya says:

      no just sign the letter at the bottom..

  30. kenya says:

    Hello Yes this really works I am on letter #2 and I had 4 things deleted so far.. I do have a question. I had a repo taken off my r transunion report and my score dropped 60 points why would this happen? should I get a secured crdit card to reestablish my credit now

    1. Colleen Elizabeth says:

      You’ll find that the scores will fluctuate both ways before they even out, and even then they will still change frequently. It’s short-lived as long as your paying your Bill’s on time and keeping your debt to income ratio balanced, credit card balances low.

  31. Brittany says:


    I sent my first letter, only filling out the 5 spaces available, though i have a few more inquiries i wanted to add. Sent the letter on Friday, today is monday …. Should i send another “letter number 1” with additional information, or wait until i get a response back from the first set of inquiries and add the additional onto the second letter? … This is only for one credit bureau so far ( Transunion).

    1. Colleen Elizabeth says:

      If you have more items, just neatly write them in under the rest, or you could recreate the letter to fit your needs. At this point though, I would wait for the response before sending another letter.

  32. Nick says:

    Thanks Colleen for this eye opening blog. Will definitely give these a try starting today. Question: what happens if after the 3rd mail you still get no response and you’ce threatened them with lawsuit.

    What’s the next step? Is there a 4th letter? Best Nick

    1. Colleen Elizabeth says:

      Honestly, I don’t know. I never had to go that far. The attorneys that do this for their clients proceed with the commencement of litigation.

  33. brittany roberts says:

    I’m so confused to how to even begin. I have printed off all the 609 letters you have provided but I don’t what to do next? Do I use these letters that I printed and use a pen to write over stuff? It’s got the date wrong at the top of each letters, and don’t know how to change it. Do I just mark it out and put the right date in pen? If so, that’s no professional. Or do I just simply use these samples and write everything out on on my own? Please help!

  34. Vonnie says:

    I have a question. Should these letters also go to the collection agencies that are requesting payments? It seems that they would but I want to be sure that I am utilizing them properly.

    Also, I would like to thank you for providing the templates free of charge. It’s was a pretty awesome thing to do in a time when everything has a price tag.

    Best wishes in all that you do!

    1. Colleen Elizabeth says:

      Send them out for every account and inquiry you are trying to remove from your file.

  35. Kori D says:

    Hi, and thank you so much for your free templates. I was going to have a credit repair agency do this but figured I could just do it myself. My question is what is the time frame in between letters that you should wait before sending the next. For example I send one on 5/1/19 when should I send letters 2 and 3 .

    1. Colleen Elizabeth says:

      I waited until I got a response from the credit agency, which is typically 30 days or less. They have 30 days to respond to you, and I found each response came 3 to 4 weeks after sending out my letter.

  36. Christina says:

    I’m confused do you send the letters to the credit report agencies or to the debt collectors?

  37. LadyJay says:

    Hello can I send a 609 letter out without having an account number just the name of the account??

  38. Jamee says:

    Thank you so very much! God bless you for you blessing others with free info!

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