Remove Negative items on credit report

Submitted by Wasco_Kid on Sat, 02/13/2010 - 03:03
Forums

Hello All,

There is alot of information floating around the internet about how to handle the credit repair project yourself. I would like to review the basic areas to try to put a flowchart together that would help myself focus on the overlooked strategies of credit repair.

1. pull a copy of your credit report and review the tradelines to identify damaging issues to your credit score.
2. Compile a send in DV (debt validation) letters to those tradeline furnishers who are identified as collection agencies. Send the letter certified mail with electronic signature confirmation or RRR (return receipt requested).
3. wait 30 days for a reply.
4. Re-send a followup DV letter to the CA with CMRRR (CMESC); include a copy of the original letter with the CMRRR.
5. File a dispute with the CRA and include a copy of the original letter with CMRRR requesting to remove the tradeline because the CA did not validate the tradeline.
6. If the CRA verifies the tradeline then file a request for MOV.
7. Send a 623 letter to the OC and see if you receive a reply.

How is this so far. What am I missing and where do I go from here?

TroyWilson (not verified)

I am retired now but my credit score was around 442 after my retirement because I had eviction, filing, late payments and high outstanding debts on my credit history. I couldn’t get approved for a house loan nothing, this got me really worried because I needed a home of my own really bad, I’m really grateful to Albert Gonzalez, If not for him, I now have a home and a comfortable lifestyle.  You can deal with. Him and you won’t regret it. CyberSpyGuru @ Gmail dot com

Wed, 02/05/2020 - 09:50 Permalink
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Wed, 02/05/2020 - 18:04 Permalink
Donna Mickey (not verified)

I’m grateful to this professional hacker by name 760PLUS CREDIT SCORE my husband and I read about their services online, we contacted them and explained the issue we were facing battling with our bad credit history. They promised to help us fix the issue, we had no choice but to trust the process. The process lasted for 8 days on the 9th day a copy of our report was sent to us for confirmation which I and my husband did verify with so much excitement we couldn’t keep it to ourselves but to let those struggling with similar issue to get the best. Score raise to 780 and 810 with all negative info wiped out. Write him on 760PLUSCREDITSCORE@GMAIL.COM /+1(304) -774 -5902.

Wed, 02/05/2020 - 21:31 Permalink
Kamela3321 (not verified)

I have been battling with my low credit score until a friend of mine introduce me to this guru.I must confess and be professional with my statement because i doubted him at first because of my previous experiences where I was ripped off.but my friend keeps given more faith and decided to give him a try and my score finally increased within 24 to 48 hours and he also fixed the negatives on my report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy.I don't have a choice to review him to the wold in case you guys need such assistance.Contact him on his via bbirdeye1@gmail.com contact:+1(321-926-5645)

Thu, 02/06/2020 - 13:19 Permalink
Kamela3321 (not verified)

I have been battling with my low credit score until a friend of mine introduce me to this guru.I must confess and be professional with my statement because i doubted him at first because of my previous experiences where I was ripped off.but my friend keeps given more faith and decided to give him a try and my score finally increased within 24 to 48 hours and he also fixed the negatives on my report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy.I don't have a choice to review him to the wold in case you guys need such assistance.Contact him on his via bbirdeye1@gmail.com contact:+1(321-926-5645)

Thu, 02/06/2020 - 13:20 Permalink
Ella (not verified)

i loved my husband too much and sacrificed so much for him he changed all of a sudden and i knew there was something wrong. i spoke to a very close family friend that introduced me to a hacker that i was reluctant to contact at first but i later gave it a try i was amazed with what i found out. my husband has had multiple cheats that he even started stealing from me and giving to this new women thank God i took that step.sometimes ignorance is bliss but not on these case. you can contact the hacking firm that helped me email:Bbirdeye1 AT GMAIL DOT COM contact:+1321 926 5645, you'll be glad

Thu, 02/06/2020 - 13:26 Permalink
Ella (not verified)

i loved my husband too much and sacrificed so much for him he changed all of a sudden and i knew there was something wrong. i spoke to a very close family friend that introduced me to a hacker that i was reluctant to contact at first but i later gave it a try i was amazed with what i found out. my husband has had multiple cheats that he even started stealing from me and giving to this new women thank God i took that step.sometimes ignorance is bliss but not on these case. you can contact the hacking firm that helped me email:Bbirdeye1 AT GMAIL DOT COM contact:+1321 926 5645, you'll be glad

Thu, 02/06/2020 - 13:29 Permalink
Clark holman (not verified)

I know a very reliable and credible hacker named Computer Ware House Group, They helped me increased my credit score and cleared off my negative collections, hard inquiries and derogatory loans from my credit report within 72 hours which was amazing. They also help me clear off my credit card debts within few weeks, He is legit and affordable price.Contact info C O M P U T E R W A R E H O U S E G R O U P 1@ G M A I L . C O M , 1 903 213 5023. 

Thu, 02/06/2020 - 14:11 Permalink
Clark holman (not verified)

I know a very reliable and credible hacker named Computer Ware House Group, They helped me increased my credit score and cleared off my negative collections, hard inquiries and derogatory loans from my credit report within 72 hours which was amazing. They also help me clear off my credit card debts within few weeks, He is legit and affordable price.Contact info C O M P U T E R W A R E H O U S E G R O U P 1@ G M A I L . C O M , 1 903 213 5023. 

Thu, 02/06/2020 - 14:11 Permalink
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Thu, 02/06/2020 - 16:46 Permalink
Thomas903 (not verified)

My utmost gratitude goes out to Tom. Some months back, I have really been searching FOR a good credit expert to help me fix my bad report. He did not just increase my credit score to a high 700s from a low 450s, but also removed some negative items which included a late payment. He is really God’s sent to me. Here is his contact: (tombanecredithelp at Gmail.COM / +720-590-7966

Thu, 02/06/2020 - 17:05 Permalink
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Thu, 02/06/2020 - 17:06 Permalink
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Thu, 02/06/2020 - 17:15 Permalink
Kham Hosmer (not verified)

If you have never been scam you can never know whom to have your trust and faith in, i'm 100 persent sure of an hacker call Rich Skrenta. He was introduce to me by a friend which i make use of him too and he never disappiont me for once , He helded my husband hack back his Stolen Bitcoin of FIFTEEN THOUSAND EURO and help me clear my credit card and personal loan debt too. i won't say much about him contact him and let his job speak. TEXT NUMBER(440)459-0850 OR VIA Mail too: RICHSKRENTACYBERSERVICE@GMAIL.COM

Thu, 02/06/2020 - 17:37 Permalink
rhett (not verified)

I paid a hacker to remove negatives and also increase my credit score, he removed negatives and repo but after 3 days the negatives were back.i message him and he was asking for more money so i stop talking to him. i then read positive comments about HACKINVADE /AT/ GMAIL /DOT/ COM, i decided to give him a try in less than 48 hours i was already seeing changes, today makes it 8 months he help fix my credit score yet no more negative and my credit score is at 708, if you have similar problem contact him on Email (hackinvade At Gmail Dot Com  or reach is phone 256-294-4701  )  

Thu, 02/06/2020 - 18:16 Permalink
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Thu, 02/06/2020 - 19:39 Permalink
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Fri, 02/07/2020 - 09:07 Permalink
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Fri, 02/07/2020 - 11:03 Permalink
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Fri, 02/07/2020 - 13:03 Permalink
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Fri, 02/07/2020 - 16:35 Permalink
Dickson louis (not verified)

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Sat, 02/08/2020 - 01:08 Permalink
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Sat, 02/08/2020 - 05:40 Permalink
Jodi Clark (not verified)

I had a bad credit score for a couples of months back when i have been struggling with my bills. i have to go for a loan but unluckily i was declined due to my low credit score and i emailed my friend if he have a way to help me and he told me about KEVINMITNICKCREDITEXPERT who helped her to repair her credit score and got it up to 810 so i got in touch with him and he told me his doing it legally because i was so scared if it’s would back fire me ,to cut the story short i gave him all the details he needed and he helped me increase my credit score with in 72hours ..he also clear all debt on my 2 credit cards his the best and this is how i can appreciate his good work by pubcizing him to the world you can get him through his email (Kevinmitnickcreditexpert AT GMAIL DOT COM) or text him at +1(912) 380-8359.

Sat, 02/08/2020 - 05:40 Permalink
Jodi Clark (not verified)

I had a bad credit score for a couples of months back when i have been struggling with my bills. i have to go for a loan but unluckily i was declined due to my low credit score and i emailed my friend if he have a way to help me and he told me about KEVINMITNICKCREDITEXPERT who helped her to repair her credit score and got it up to 810 so i got in touch with him and he told me his doing it legally because i was so scared if it’s would back fire me ,to cut the story short i gave him all the details he needed and he helped me increase my credit score with in 72hours ..he also clear all debt on my 2 credit cards his the best and this is how i can appreciate his good work by pubcizing him to the world you can get him through his email (Kevinmitnickcreditexpert AT GMAIL DOT COM) or text him at +1(912) 380-8359.

Sat, 02/08/2020 - 05:40 Permalink
Jodi Clark (not verified)

I had a bad credit score for a couples of months back when i have been struggling with my bills. i have to go for a loan but unluckily i was declined due to my low credit score and i emailed my friend if he have a way to help me and he told me about KEVINMITNICKCREDITEXPERT who helped her to repair her credit score and got it up to 810 so i got in touch with him and he told me his doing it legally because i was so scared if it’s would back fire me ,to cut the story short i gave him all the details he needed and he helped me increase my credit score with in 72hours ..he also clear all debt on my 2 credit cards his the best and this is how i can appreciate his good work by pubcizing him to the world you can get him through his email (Kevinmitnickcreditexpert AT GMAIL DOT COM) or text him at +1(912) 380-8359.

Sat, 02/08/2020 - 05:41 Permalink
Jodi Clark (not verified)

I had a bad credit score for a couples of months back when i have been struggling with my bills. i have to go for a loan but unluckily i was declined due to my low credit score and i emailed my friend if he have a way to help me and he told me about KEVINMITNICKCREDITEXPERT who helped her to repair her credit score and got it up to 810 so i got in touch with him and he told me his doing it legally because i was so scared if it’s would back fire me ,to cut the story short i gave him all the details he needed and he helped me increase my credit score with in 72hours ..he also clear all debt on my 2 credit cards his the best and this is how i can appreciate his good work by pubcizing him to the world you can get him through his email (Kevinmitnickcreditexpert AT GMAIL DOT COM) or text him at +1(912) 380-8359.

Sat, 02/08/2020 - 05:41 Permalink
EOGHAN (not verified)

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Sat, 02/08/2020 - 05:46 Permalink
Latoya Ford (not verified)

Over 5,000 Americans are suffer from bad credit records, I’m a here to give testimony about this great Credit Professional. He paid off my medical debt together with credit card debts on my report and deleted all negatives items and even increased my credit score to 798 excellent. I assure you he is real and effective cause it’s hard to lose someone earned money to fakes one claim to be legitimate. Details Contact Here will go : PERMANENTCREDITREPAIRER AT GMAIL DOT COM.

Sat, 02/08/2020 - 13:24 Permalink
Chad sizer (not verified)

B O M V I R U S @ R E P A I R M A N . C O M,  saved my ass from being broke. I had issue with my credit score and he got it fixed for me within 72 hours after contacting him. My credit score went up from 499 to 820 and I was able to purchase my first car through his help. You can contact him also, I'm sure he can help you. You can also call him AT: 1 903 213 5023. 

Sat, 02/08/2020 - 13:58 Permalink
Latoya Ford (not verified)

Over 5,000 Americans are suffer from bad credit records, I’m a here to give testimony about this great Credit Professional. He paid off my medical debt together with credit card debts on my report and deleted all negatives items and even increased my credit score to 798 excellent. I assure you he is real and effective cause it’s hard to lose someone earned money to fakes one claim to be legitimate. Details Contact Here will go : PERMANENTCREDITREPAIRER AT GMAIL DOT COM.

Sat, 02/08/2020 - 14:04 Permalink
Daniel marvin (not verified)

Trojan is the best man I can refer you to. He help me increase my credit score to 831 excellent and He help me delete negative collections on my credit report within 72 hours. He also help me pay off my credit card debts of $8,500 within few weeks, He is legit,fast and affordable price. Contact info T R O J A N @ W R I T E M E . C O M or 1 903 213 5023.

Sat, 02/08/2020 - 20:37 Permalink
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Sat, 02/08/2020 - 20:55 Permalink
aroon (not verified)

My credit cards debt kept me in a complete state of dilemma; this caused my score to drop to very low 424. I already had eviction and several collections including car loan, It was obvious I won’t get approved for anything at the same time I was trying to build my business but everything was very tough and difficult until I came across “sky line” on several sites, I also read good reviews about him and did my research , After that , I decided to email him on skylinecreditcardrepairs@gmail.com
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Sun, 02/09/2020 - 04:56 Permalink
Diamond barber (not verified)

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Sun, 02/09/2020 - 08:18 Permalink
Diamond barber (not verified)

I am now remarried. We are adopting my spouse’s nephew who has been with us since he was two days-old and my son has started his first year of college. None of these major life changes have been easy or cheap, but having my credit rebuilt has helped make these changes possible for my family. Thanks to Jonathanjamescyberservices@gmail.com I believe the American Dream is possible and I am excited to see what the future holds.  Text him(209) 317-0582

Sun, 02/09/2020 - 08:18 Permalink
Diamond barber (not verified)

I am now remarried. We are adopting my spouse’s nephew who has been with us since he was two days-old and my son has started his first year of college. None of these major life changes have been easy or cheap, but having my credit rebuilt has helped make these changes possible for my family. Thanks to Jonathanjamescyberservices@gmail.com I believe the American Dream is possible and I am excited to see what the future holds.  Text him(209) 317-0582

Sun, 02/09/2020 - 08:18 Permalink
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Sun, 02/09/2020 - 13:34 Permalink
neme amber (not verified)

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Sun, 02/09/2020 - 14:25 Permalink
Perfect Recovery (not verified)

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Sun, 02/09/2020 - 14:43 Permalink
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Sun, 02/09/2020 - 15:57 Permalink
Hilton dumas (not verified)

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Sun, 02/09/2020 - 20:17 Permalink
Lordofmercy1992 (not verified)

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Sun, 02/09/2020 - 22:20 Permalink
shellysheel (not verified)

Do you need to hire a licenced hacker who can even stand in court If your spouse cheats contact he can help you. very talented and immaculate I call him the genius, we've had a few runnings together and I am always more than satisfied with his services. Some of the tricks he did for me are cloning my girlfriend's phone and topping my credit score to an awesome number. If you need such services drop him a mail at ghosthackercybermart@gmail.com
you can also text him on (213) 973-7505/Send a message on Business whatsapp +19252910054 or click on this link to chat on whatsapp https://wa.me/19252910054?text=Hello%20I%E2%80%99m%20interested%20in%20… ,he offers the best services ranging from background checks, surveillance( includes access to social networks, school servers, icloud and much more), infidelity to tracing people Hack viber chats, facebook messages and yahoo messenger.
we also offer we offer the following services;
-University grades changing
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-Website crashed hack
-server crashed hack
-Skype hack
-Databases hack
-Word Press Blogs hack
-Individual computers hack
-Control devices remotely hack
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-Verified Paypal Accounts hack
-Any social media account hack
-Android & iPhone Hack
-Text message interception hack
-email interception hack
-Untraceable Ip etc.
Amongst others, services we offer are listed as follows :
*bank accounts loading
?social media hack, (Facebook, Instagram, snapchat etc)
?Credit card top up,
?Credit card dept clearing.
?database hack,
?money transfer,
?Verified Paypal Accounts hack,
?email hack,
?College score upgrade ,
?Android & iPhone Hack
?BinaryOption funds recovery.
Also,
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Sun, 02/09/2020 - 22:21 Permalink
Jacob hays (not verified)

Bom Virus is the best for credit score boost and erase negative collections on your credit report, I will advise you to work with him. He help me boost up my credit score to 790 excellent plus and erase all negative collections items on my credit report within 72 hours. I got approved for mortgage loan, He is real and legit. Contact B O M V I R U S @ R E P A I R M A N . C O M, Text him at 1 903 213 5023

Mon, 02/10/2020 - 13:13 Permalink
SaraJay (not verified)

Are you looking for a mortgage? Looking for a quick loan or a funding firm for a business deal, contact WEST-CAGE LOAN INVESTMENT GROUP at WESTCAGEINVEST@GMAIL.COM for a quick loan or investment. We welcome you for an opportunity to all types of loans you get at a very affordable interest rates of 2%
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Mon, 02/10/2020 - 19:50 Permalink
KimberlyBryant (not verified)

JEFFCLOUD CREDIT SOLUTION is an awesome credit expert and he offers very good services. All my negative items are gone within 12 days from my credit reports. JEFFCLOUD also helped me delete all the errors from my credit reports, my scores went from 481(Equifax) and 528(TransUnion) to 730(Equifax) and 751(TransUnion). He also cleared my student loans from. Very highly recommended to everyone who wants to fix their credits. You can always write him via: Jeffcloudcreditsolution@gmail.com or text: +17472485235.

Mon, 02/10/2020 - 22:12 Permalink
Rob richard (not verified)

I strongly recommend T R O J A N @ W R I T E M E . C O M for your Credit score BOOST, Credit card debt clearing, bank account debt clearing, negative record clearing, Criminal record clearing, Loan application, Credit card application and any related hacking job. You can also reach him on his number: 1 903 213 5023. He really changed my life for good.

Mon, 02/10/2020 - 23:03 Permalink
Christopher Kurl (not verified)

I got my credit resorted earlier this year. I have been living happily, i feel so fortunate meeting this computer genius who restored my credit since january And ever since then my life has changed tremendously. I have him to thank for making me become a better human. One thing I can’t stress enough is every year you’re allowed to get 3 free credit reports, one from each bureau. You MUST do this each year. This is where I found my credit windfall. After many self disciplining. There was no way I had the time or knowledge to fix my credit myself. God so good with Notablespy i was able to uncover the fact that a debt that had been paid off was still being reported as open and late. He also cleared a debt that wasn’t really mine back then! A big one. $3200 showing open and late for 2 years. So i was totally free from debt when I filled a report with the CFPB (Consumer Financial Protection Bureau) and they started an investigation,(they see i have settled all debt instrumentally). The company that had this debt wrote me a letter saying that even though I had no proof that the debt wasn’t mine, they would absolve it and would contact the 3 credit bureaus to have the reporting removed and cleared. READ THIS!!! This is a clear chance no one should ever neglect, set yourself free and happy again. Of course magic doesn’t happen concerning your down or increase in your score,people make them happen. Notablespy. orgAT gmail is the real plug. Kindly copy the email correctly and help yourself.

Tue, 02/11/2020 - 02:42 Permalink
Harrywood (not verified)

If you need the services of a certified ethical hackers  LEGENDWIZARDHACKERS@GMAIL.COM  are the best solution to your problems..They are extraordinary crackers, software developers and  code breakers...LEGENDWIZARDHACKERS@GMAIL.COM   They do what other hackers termed  "Impossible" everything is possible with them... No matter how tough a database is, they break in with thier sets of software,  thier priority is to deliver to thier clients with satisfaction and security. Thier jobs are 100% guaranteed.
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Tue, 02/11/2020 - 12:49 Permalink