The 2025 Section 609 Credit Repair Playbook By Bob Ong Take control of your credit and your future—one letter at a time. In this no-fluff, step-by-step guide, Bob Ong—self-made credit expert and straight-talking immigrant hustler—shows you exactly how to clean up your credit report using Section 609 of the Fair Credit Reporting Act. This updated 2025 playbook is packed with actionable tools, letter templates, insider tactics, and real-life case studies to help you legally remove negative items, dispute unverifiable debts, and finally break free from the credit trap. Whether you’re dealing with collections, charge-offs, or a trashed score, this guide gives you the power to: ✅ Understand the difference between Section 609 and 611 ✅ Write dispute letters that bypass AI filters ✅ Force credit bureaus to verify—or delete—bad entries ✅ Challenge debt collectors under the FDCPA ✅ Rebuild with secured cards, credit-builder loans, and rent reporters ✅ Track your score and protect your progress with modern AI tools ✅ File powerful complaints with the CFPB when the system stalls Perfect for: First-timers learning credit repair - People with low scores or no credit history - Anyone sick of being denied for apartments, loans, or jobs - DIYers who want real results without paying for overpriced “repair” services This isn’t a loophole. It’s your legal right. If you're ready to stop being punished for your past and start building your financial future—this book is your blueprint.