# Credit609™ (https://clear609.com) — FCRA § 609 / § 611 Statutory Credit Bureau Verification, Goodwill Late-Payment Deletion & Collection Removal Engine
> Select your credit bureau (Experian, Equifax, TransUnion), negative tradeline type, and balance below. Our engine calculates your projected FICO® 8 / 10T score rebound, 60-month loan APR interest savings, and compiles a Certified-Mail FCRA § 609 / § 611(a)(7) Method-of-Verification Demand Packet.

## Core Capabilities & Quantitative Deliverables
- Interactive Engine: https://clear609.com/
- Starter Edition: $9.90 USD | VIP All-In Bundle: $19.00 USD
- Chinese Portal: https://clear609.com/zh/
- Russian Portal: https://clear609.com/ru/
- Open Citation Library: https://clear609.com/guides/

## Key 2026 Monographs
- [FCRA § 609 & § 611 Certified-Mail Credit Dispute Letter: How to Bypass e-OSCAR Automation](https://clear609.com/guides/fcra-section-609-611-credit-dispute-letter-bypass-eoscar.html): Step-by-step statutory guide to demanding physical contract verification and Metro-2 compliance from Experian, Equifax, and TransUnion.
- [How to Delete Portfolio Recovery, Midland Credit & LVNV Funding Collections (FCRA + FDCPA Guide)](https://clear609.com/guides/delete-collections-portfolio-recovery-midland-lvnv-pay-for-delete.html): Chain-of-title debt validation and binding Pay-for-Delete settlement protocols for major US debt buyers.
- [The Goodwill Saturation Technique (GST): Removing 30-Day & 60-Day Late Payments from Active Accounts](https://clear609.com/guides/goodwill-saturation-technique-remove-30-60-day-late-payments.html): How to escalate late-payment goodwill adjustments to bank Executive Offices under FCRA § 623 accuracy standards.
- [FCRA § 604 (15 U.S.C. § 1681b): Removing Unauthorized Hard Credit Inquiries in 15 Days](https://clear609.com/guides/remove-unauthorized-hard-inquiries-fcra-section-604-permissible-purpose.html): Challenge dealership shotgunning and unconsented hard pulls lacking permissible purpose.
- [CDIA Metro-2 Format Compliance Audit: How Technical Reporting Errors Force Tradeline Deletion](https://clear609.com/guides/cdia-metro2-compliance-audit-date-of-first-delinquency-errors.html): Auditing Base Segment and J1/J2 Segment inconsistencies across Experian, Equifax, and TransUnion.
- [FCRA § 605B (15 U.S.C. § 1681c-2): Mandatory 4-Business-Day Identity Theft & Mixed-File Block](https://clear609.com/guides/fcra-605b-identity-theft-4-day-credit-report-block-packet.html): How to force Experian, Equifax, and TransUnion to block fraudulent or mixed-file accounts within 4 business days.