Section 609 of the FCRA? Has anyone used this?

[jessetsi]

I ran across a business that is disputing section 609 of the FCRA to the Credit Bureaus & claim they have 100% success.

I looked them up and down, and found 1 complaint on them (a former employee was misrepresenting himself to a consumer) vs 278 complaints filed with the BBB about lexington law (granted, these are "resolved")

This company has been around for 11 years, and claims to have over 100,000 satisfied customers.

I found out about this company from a Mortgage Broker friend who has sent 12 clients there and was very happy.

The fee is $600, but the rep for my area was willing to meet face to face and explain everything.

I dont want to advertise for this company, but has anyone had experience disputing exclusively section 609 of the FCRA?

After careful consideration, I think I am going to give this a shot

[Scorepro]

What exactly about it? What's your situation and why is it this specific section that applies??

[chane]

Everything they do can be learned here. The methods they use are no different from Lexington's. They're trying to act like it is different, but it's not. If they're claiming a 100% success rate, I would be very wary. I'm pretty sure they're a scam.

Send me a PM with their website and I'll post it if it's not a scam.

[DJ000]

It has been almost a year since my mother paid the company $600 and they have been unable to get any of her negative items removed from her credit reports. I was eagerly waiting for her results before I paid for their services and I am sure glad I waited.

The company's website claims that they have NEVER had 1 of their more than 188,000 clients EVER receive copies of the "so-called" verifiable proof that they claim the credit bureaus are supposed to have in their files which sounds pretty darn good right?

Well it sounds good "IF" section 609 of the FCRA really required the credit bureaus to have copies of the original signed application in their files for every account that they report on. Obviously section 609 doesn't require the credit bureaus to remove anything if they don't have any verifiable proof because in my moms case, after almost a full year of sending 15-20 dispute letters threatening the credit bureaus of legal action if they don't remove the negative items after failing to produce copies of verifiable proof the credit bureaus have not done so.

In fact, this company gave my mother letters to send to the FTC and the attorney general complaining that the credit bureaus failed to remove any of the items that she claims were not verified and both the FTC and the Attorney Generals office wrote back saying that they would not get involved with the dispute.

So this company is probably not lying when they say that none of their 188,000 clients have ever received copies of any verifiable proof from the credit bureaus BUT they doesn't mean sqat. They won't state that all or any of their 188,000 clients had all of their negative items removed from their credit reports because I doubt they have been able to get all or any of the accurate negative items removed for any of their clients.

The Section 609 credit system appears to be a SCAM and until their dispute letters are able to get accurate negative items removed they are no different than the thousands of credit repair companies.

Oh, I almost forgot. This company charges you $600 for their ebook and gives their dispute service to you for free. The ebook that they claim will educate you about the credit bureaus and the credit score system etc... The ebook is totally useless. It appears to have been written by a 12 year old who slapped together a bunch of useless information found on the Internet.

I am staying away from this company. My mother feels so stupid for wasting $600 based on their claims that the credit bureaus are required to have verifiable proof in their files and if they don't they are supposed to remove any and all items that you dispute even if those items are accurate. Beware of this company and their false claims.

[jessetsi]

I didn't have any deletions from them.

I ended up working my butt off and getting all my accounts removed on my own.

[DJ000]

The Fulfillment Center Company claimed that the only way to get accurate negative items off your report was to challenge the credit bureaus "Right-to-Report" the account versus challenging the accuracy of the item.

How did you get them to remove "accurate negative items"?
How many months did it take?

Any tips or advice would be appreciated.

[jessetsi]

It took me 18 months, a lot of hard work, and a nice chunk of change (yep, it was worth it).

I realized the "template" letters online were just not cutting it. So I read the FCRA and FDCPA over and over and over again. Once I understood those laws, I was ready to fight any creditor in my path.

I did so well that all my friends asked me to start doing it for them and turned into a business.

It is possible to remove accurate negative information by forcing a collector to break FDCPA.

[DJ000]

Originally Posted by jessetsi

It took me 18 months, a lot of hard work, and a nice chunk of change (yep, it was worth it).

I realized the "template" letters online were just not cutting it. So I read the FCRA and FDCPA over and over and over again. Once I understood those laws, I was ready to fight any creditor in my path.

I did so well that all my friends asked me to start doing it for them and turned into a business.

It is possible to remove accurate negative information by forcing a collector to break FDCPA.

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So when you say it took a big chunk of change does that mean you negotiated settlements with collectors and creditors and part of the settlement conditions was to get them to remove the negative items?

You didn't challenge any of your accurate negative credit items directly with the credit bureaus so I assume disputing accurate negative items with the credit bureaus doesn't work (maybe 10% of the time but very seldom) is that what happened in your case?

[jessetsi]

I settled none of the accounts.
You need to get the collector or creditor to slip up and agree to remove it.

Bureau disputes are only for the low hanging fruit. All it takes to verify a dispute is the click of a mouse button on the METRO system at a debt collection agency.

[DJ000]

Originally Posted by jessetsi

I settled none of the accounts.
You need to get the collector or creditor to slip up and agree to remove it.

Bureau disputes are only for the low hanging fruit. All it takes to verify a dispute is the click of a mouse button on the METRO system at a debt collection agency.

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So, if you didn't settle with any collectors or creditors why did it cost you a lot of money? They only other way to spend money to get items removed on your own is to file lawsuits against debt collectors for violations and then get them to remove items as part of the settlement agreement for their committing collection violations?