609 DISPUTE LETTER

🔹 What's Included:

• Pre-filled Dispute Letter Templates – Simply fill in your personal details.
• Step-by-Step Instructions – Follow the guidance to send certified letters correctly.
• BONUS: Free 24-Hour Deletion PDF – Download it directly from our website to get fast results.

Important: These letters may qualify you for up to $1,000 in damages under the Fair Credit Reporting Act (FCRA).

📩 Support: For questions, email us at Support@legitimetricssolutions.com

✅ Before You Begin

Start your credit repair journey with these foundational steps:

1. Request Your Credit Report
   Use this secure SmartCredit link to monitor and manage your credit profile:
   👉 https://www.smartcredit.com/?PID=86625

2. Freeze Secondary Bureaus
   Place a security freeze on the following secondary reporting agencies:

   • LexisNexis

   • SageStream

   • ChexSystems

   • ARS

   • CoreLogic

   • Innovis
     📌 Each freeze will generate a PIN—store these securely.

3. Clean Up Personal Information
   Dispute and remove any incorrect names, addresses, phone numbers, or employers.
   Call or mail each credit bureau with one consistent identity across all records.

✉️ Sending Letters to Credit Bureaus

When mailing inquiry removal or dispute letters to credit bureaus, follow these guidelines:

• Use certified mail for tracking.

• Include 3 forms of ID:

  • Valid driver's license

  • Proof of address (e.g. utility bill)

  • Social Security card copy

• Consider getting documents notarized (optional but may help).

• Follow the 4-Round Dispute Method:

  1. Round 1 – Send initial letter (wait 20 days)

  2. Round 2 – Send follow-up if no response (wait 30 days)

  3. Round 3 – Escalate if needed (wait 60 days)

  4. Final Round – Additional legal action or filing a complaint

🧾 Sending Letters to Creditors

If disputing a collection or debt with a creditor:

• Start with the Debt Validation Letter.

• If no response, send Failure to Validate Letter in Round 2.

• Always send via certified mail for tracking purposes.

📬 Credit Bureau Contact Info

Equifax
📮 P.O. Box 740256, Atlanta, GA 30374-0256
📞 (888) 298-0045 (Customer Care)
📞 (800) 349-9960 (Security Freezes)
🌐 www.equifax.com

Experian
📮 P.O. Box 4500, Allen, TX 75013
📞 (888) 397-3742
🌐 www.experian.com

TransUnion
📮 P.O. Box 2000, Chester, PA 19016-2000
📞 (800) 916-8800
🌐 www.transunion.com

💡 Final Tips:

• Keep copies of all correspondence and tracking info.

• Save every PIN, letter response, and freeze confirmation.

• Start with personal info clean-up before disputing inquiries.

Need help? Our support team is ready to guide you.
📩 Support@legitimetricssolutions.com