What is a 611 letter?
A 611 credit dispute letter references Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. You send this letter after a credit bureau responds to a dispute and says that they verified the information. What is a 623 dispute letter? The name 623 dispute method refers to section 623 of the Fair Credit Reporting Act (FCRA). The method allows you to dispute a debt directly with the creditor in question as long as you have already filed your complaint with the credit bureau and completed their process.