A 609 dispute letter is a formal request to credit bureaus to verify the accuracy of information on your credit report. A ...

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Finding an unfamiliar collection ... directly dispute debts with a debt collector by requesting debt validation within 30 days of first contact. To do this, you'll write a detailed letter ...

That's part of why understanding your rights is the key to navigating a debt dispute successfully. Whether it's knowing when to send a dispute letter, recognizing illegal collection practices or ...