Section 609 credit dispute, fact or fantasy?

[Jake Holmes]

so I've boon looking into ways to clear some negatives off my credit. I've been reading into what's refferd  to as the section 609 credit loophole where you dispute the right for someone to report on your credit based off the fact that they have to verify you through the credit agency before the loan is issued. Now I'm still looking into this and I do understand that even if you get it removed you are still responseble for the debt. Is this something that actually works or is it better to pay someone like Lexington law