You may see references on the internet to a so-called 609 Dispute Letter that promises, for a fee, to magically remove negative information from your credit report. Don’t waste your money on these templates, as there is no evidence that they are any more effective than any other dispute letter. These letters get their name from Section 609 of the Fair Credit Reporting Act, which outlines your rights to get copies of your credit reports from the three major credit bureaus. Section 609 of the Fair Credit Reporting Act outlines a consumer’s right to obtain copies of their credit reports. Section 611 describes how consumers can exercise their rights to correct inaccurate information on the reports. However, the Act does not specify any kind of 609 Dispute Letter. The supposed “magic” behind the 609 Dispute Level is the incorrect contention that the credit bureaus must provide consumers all relevant information, such as cashed checks and executed credit applications, or else remove a derogatory entry from the report. However, the Act only requires the bureaus to share the information they have in their systems.