I recieved the following suspicious email message this morning. I have removed all the links; other than that, this is the full text:
Credit News: “All Three Credit Bureaus Forced to Remove All Negative Credit”
Hi, it’s Glenn Garvin with updated news about your credit…
*** Find Out How Your Negative Credit Can Be Removed By The Bureaus***
All negative credit can now be removed from any credit report……and not just by Experian…TransUnion and Equifax will also remove all negative credit because…
….of a simple and proven legal strategy that forces them to comply with the “Law” based on Section 609 of the Fair Credit Reporting Act.
The Section 609 Credit System is patented and copyrighted and has been used on behalf of 125,000+ clients since 1999 to remove or turn to positive over 5 million negative items….
But the amazing thing is that…
It has never lost a single case. – Not one case…Ever!
The Section 609 Credit System is used for the clients of over 3,500 Law Firms and Attorneys and well over 22,000 Lenders and Loan Officers…because it works!
To Be Clear: The Section 609 Credit System can remove ALL negative credit from ANY credit report from all three Bureaus…
Think of what this can mean for you or someone you know who is currently living with damaged credit…..A huge boost in scores and no more negative credit showing up on credit reports….within a few short weeks!
There’s a lot more to know about the Section 609 Credit System….
So a Free Section 609 Guide has been prepared to explain everything.
Don’t hesitate… ***** Get Your FREE REPORT Right Here ******
I’ll check back again with more information,
PS. This is NOT credit “repair”. You’ll learn why in the free report.
If you already have great credit, please pass this information on to some who is not as fortunate. The fastest growing segment of the entire country are people with lower credit scores.
The Section 609 System is the only successful method that legally forces the credit agencies to remove all negative credit.
(mailing address removed)
A while back, I did a “play along at home” post with a suspicious email. I posted the full text, with very little comment, and then posted my list of things that should tip you off that it was a scam the next day.
This time, I’m just going to pass judgment: this email is extremely suspicious. I would not click on a single link, trust a single word, or give it a second thought. There was a mailing address at the bottom, and I can say this much about it: Glenn Garvin doesn’t live there.
What I think they’re doing is selling you some “secret” method of clearing your credit report of any negative information.
It won’t work, by the way; the three major credit reporting agencies (Experian, TransUnion and Equifax) will not remove accurate records from your credit report. The law, believe it or not, is on their side. Imagine—the financial industry having been set up over many decades by lawyers, bankers and legislators who knew exactly what they were doing and covered every base.
It reminds me of those Mortage Elimination scams you see sometimes—the ones where you pay for some “secret” information. When (and if) you get the information, it’s some crackpot theory about how your mortgage wasn’t actually money, and therefore you don’t have to pay it back, and your case will win every time in court. What actually happens is that you end up losing your house (at best) and serving time in prison for fraud (at worst).
That’s probably exactly what this “Section 609 System” is: a way for you to make your credit problems seem trivial, once you’ve been convicted on federal charges.
By the way, here is the full text of the Fair Credit Reporting Act. Section 609 says you have the right to dispute information on your credit report. It does not say the agencies have to remove it just because you said so. It’s in Section 609 (c), which is actually readable; the heavy legal-ese starts later in the Section.
Also: Glenn Garvin is apparently a journalist (Miami Herald) and libertarian activist. I’m pretty sure he isn’t selling credit repair secrets. Plus, no veteran journalist would ever use that many ellipses. It’s very poor writing.