The Credit Repair General

623 Letters: Brief Synopsis

  • 623 Letters dispute an item with the original creditor.
  • These letters request the creditor to ‘back up’ their items with proof.


623 Letters: Full Explanation

You have now learned from out dispute letters page how letters are constructed and sent out to the three credit bureaus. This is where many credit repair companies stop. However, dispute letters are only a portion of the tools available to a credit repair expert. At Credit Repair Army, we follow up our dispute letters with letters to the original creditors. These letters are known as 623 investigation dispute letters, or ‘623 letters’ for short.

These letters work in a similar way as bureau dispute letters. They are founded in the fact that you believe something that they are reporting to the bureaus is not correct. This could be because some of the information they are reporting is incorrect, such as an account number or date of account opening. This would make the item not 100% accurate. Or, you could believe that the creditor is unable to produce statements or contracts for this account. In this case, the item would not be 100% verifiable. These letters dispute an item with the originial creditor, based on the previous issues with accuracy or verifiability.

623 letters, however, go one step farther. In addition to pointing out a disputed item, they demand validation of this item. In short, the 623 letter asks the original creditor to ‘back up’ what they are reporting to the credit bureaus. These letters usually call for validation in the form of documents. These documents can be anything from monthly statements, to original contracts.