Project 609 | Index
The 609 Project uses proven methods within the Fair Credit Reporting Act to remove negative reporting from your credit file.
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The 609 Project

The 609 Project uses the Fair Credit Reporting Act
to remove negative information from your credit file.
Credit report errors cost you

Most people have no idea how important their FICO score is until they are preparing for a major purchase.  A 100 point change could save you $6,000 over the life of a car loan or cost you $125,000 more during a 30 year mortgage.  It is estimated that over 70% of credit files contain information that should not be there and we are experts at having it removed.  In most of cases we can suppress reporting that was legitimately submitted.  There are no secrets to what we do.  When dealing with creditors and the three bureaus they rely on, the law is on your side.  By leveraging the provisions within section 609 of the Fair Credit Reporting Act we are able to ensure that what is reported is accurate, and most importantly, if it should even be included in your current credit report.

Credit Report
A proven track record

We have been successful in having credit reporting agencies delete inquiries, late payments, charge-offs, collections accounts, repossessions, and bankruptcies.  Learn why making payments on accounts already reported can hurt you more than it helps.  The three agencies regularly report different accounts and will not always show the same information.  Why?  There could be an instance with the agencies reporting something that they should not.  We will find and press that discrepancy in your favor.

Credit Score
Identify, notify, and rectify

To address your specific circumstances we use a three step process: identify, notify, and then rectify.  Prove it or remove it.  We identify what needs to be removed and the credit reporting agencies are notified.  Then we begin the work of having the issues rectified.  Our process is repeated to address every targeted instance and on average we are able to remove 50% of disputed items within 2-3 months, with the rest being successfully deleted in the following 3 months.

Credit Score