Скачать или смотреть The Truth About Credit Repair | EPISODE 5 — Section 609: The Law That Changes Everything

*Episode 5: Section 609 – The Law That Changes Everything*

What if you could force the credit bureaus to show you exactly where they got the information on your credit report? In this episode, I demystify Section 609 of the Fair Credit Reporting Act (FCRA) and explain why it’s a powerful tool—not a magic loophole—for repairing your credit.

Section 609 gives you the right to see every bit of data in your credit file, along with the sources of that information ([What is a 609 letter? + Template](https://www.lexingtonlaw.com/blog/cre.... It also entitles you to know which companies have accessed your credit report in the past two years and which businesses have made soft inquiries in the past year ([What is a 609 letter? + Template](https://www.lexingtonlaw.com/blog/cre.... Unlike what some credit‑repair ads claim, this section doesn’t guarantee that negative accounts will disappear; it simply ensures that credit bureaus provide documentation and remove any information that can’t be verified ([What is a 609 letter? + Template](https://www.lexingtonlaw.com/blog/cre....

*In this episode, you’ll learn:*
*What Section 609 actually says* – why it exists and how it fits into the broader FCRA.
*Your rights under Section 609* – including your right to request all the information in your credit file and learn the original sources of that data ([What is a 609 letter? + Template](https://www.lexingtonlaw.com/blog/cre....
*Myths vs. facts about the so‑called “609 loophole”* – why a 609 letter is a request for documentation, not a secret trick to erase bad credit.
*How to draft a Section 609 request letter* – what information to include (your name, address, SSN, the account details and your reason for dispute) based on proven templates ([What is a 609 Dispute Letter & How does it work?](https://www.highradius.com/resources/....
*How to use Section 609 along with FCRA dispute rights* – since the FCRA still requires credit bureaus to investigate and remove any information that cannot be verified or substantiated ([What is a 609 letter? + Template](https://www.lexingtonlaw.com/blog/cre....

By the end, you’ll know how to exercise your legal rights to request and verify the information on your credit report and use those insights to clean up errors. I’ll also share a downloadable 609 letter template and explain how to follow up effectively with the credit bureaus.

Ready to take control of your credit? Watch the episode, download the free 609 Letter Template, and comment below with your questions. Don't forget to like, subscribe, and hit the notification bell for the rest of this credit repair series!