Credit Repair

Credit Repair: 609 Credit Repair Letters


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Credit Repair: 609 Credit Repair Letters that Work. Go To and find out Today how to get your life back.

I show you how to not only get rid of the debt that you have (often for free) but to clear those bad credit trade lines off of your credit report, which will then raise your credit score!

Fix Bad Credit 1. DELETE COLLECTION ACCOUNTS Did you know that paying a collection account can actually reduce your score? Here’s why: credit scoring software reviews credit reports for each account’s date of last activity to determine the impact it will have on the overall credit score. When payment is made on a collection account, collection agencies update credit bureaus to reflect the account status as “Paid Collection”. When this happens, the date of last activity becomes more recent. Since the guideline for credit scoring software is the date of last activity, recent payment on a collection account damages the credit score more severely. This method of credit scoring may seem unfair, but it is something that must be worked around when trying to maximize your score. How is it possible to pay a collection and maximize your score? The best way to handle this credit scoring dilemma is to contact the collection agency and explain that you are willing to pay off the collection account under the condition that the all reporting is withdrawn from credit bureaus. Request a letter from the collector that explicitly states their agreement to delete the account upon receipt/clearance of your payment. Although not all collection agencies will delete reporting, removing all references to a collection account completely will increase your score and is certainly worth the involved effort. 2. DELETE PAST DUE ACCOUNTS Within the delinquent accounts on your credit report, there is a column called “Past Due”. Credit score software penalizes you for keeping accounts past due, so Past Dues destroy a credit score. If you see an amount in this column, pay the creditor the past due amount reported. 3. DELETE CHARGEOFFS AND LIENS Chargeoffs and liens do not affect your credit score when older than 24 months. Therefore, paying an older chargeoff or a lien will neither help nor damage your credit score. Chargeoffs and liens within the past 24 months severely damage your credit score. Paying the past due balance, in this case, is very important. In fact, if you have both chargedoff accounts and collection accounts, but limited funds available, pay the past due balances first, then pay collection agencies that agree to remove all references to credit bureaus second. 4. DELETE LATE PAYMENTS Contact all creditors that report late payments on your credit and request a good faith adjustment that removes the late payments reported on your account.

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Robert Dunfee


  1. Nono M
    July 20, 2021 at 5:23 pm

    Hi I purchased the letter but I couldn’t download it. What now?

  2. Encrypted Trend
    July 20, 2021 at 5:23 pm

    I can still use this in 2021?

  3. m g
    July 20, 2021 at 5:23 pm

    I trying to rebuild my credit. Does 609 letters work on accounts that are currently active but over the credit limit and late payment accounts? I also have a lot of student loans. If I submit a 609 for my student loans and if it is approved, will that guarantee it will no longer appear on my credit report and I will not legally be responsible for paying?

  4. Lee davis
    July 20, 2021 at 5:23 pm

    Is this company still in business?

  5. random topic queen
    July 20, 2021 at 5:23 pm

    How much is your services?

  6. random topic queen
    July 20, 2021 at 5:23 pm

    Where can i enroll

  7. Kavion Jones
    July 20, 2021 at 5:23 pm

    Do ypu have to write the letters with a blue pen

  8. Ted Sanders
    July 20, 2021 at 5:23 pm

    It's a zip file so if you are using a iphone download izip app from the app store to open. It's free!

  9. Patrick E
    July 20, 2021 at 5:23 pm

    I had a question and hopefully you reciprocate a response brother. When sending those letters, do you send them at the post office as requiring a signature by the receiver (the agency) so they can’t say they didn’t receive the letters. OR do you just use registered mail? Also which post office company do you use?

  10. HAWXTER12
    July 20, 2021 at 5:23 pm

    It’s against the law for them to put back something they have deleted.

  11. juan Negron
    July 20, 2021 at 5:23 pm

    Hi. I did not get them. can you re send them to my email please.

  12. Jerard Vonador
    July 20, 2021 at 5:23 pm

    Perjury to say an account is not yours? I don't think so