What it is. A viral claim that citing "Section 609" in a letter forces bureaus to delete accurate negative items.
Why it's a myth. Section 609 of the Fair Credit Reporting Act gives you the right to request information — it is not a deletion loophole. It cannot force removal of accurate, verifiable items. Templates sold online lean on this misunderstanding.
What to do instead. Real dispute strategy targets inaccurate items, and FundFoundr handles that on your behalf — you don't need a letter template.