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?

Wilson James (not verified)

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Wed, 02/26/2020 - 21:06 Permalink
Joseph Swint (not verified)

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Wed, 02/26/2020 - 23:55 Permalink
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Thu, 02/27/2020 - 01:12 Permalink
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Thu, 02/27/2020 - 01:31 Permalink
anna lucas (not verified)

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Fri, 02/28/2020 - 12:11 Permalink
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Fri, 02/28/2020 - 23:43 Permalink
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I never knew hackers could improve a low credit score until I met one on a discussion forum when I Google how to improve my credit score, I read several reviews on how good and reliable 760PLUS CREDIT SCORE is in solving issues that has to do with credit reports. I emailed them and asked if they can raise credit score (all 3 major credit bureaus) and also delete evictions in 10 working days? They replied yes and asked me for some personal info to enable them hack through my profile. I gave everything they needed to get started with the job, last week Saturday my score was increased from 410 to 800. Contact him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774-5902. Ensure you recommend him to others as I have done the moment your credit is fixed completely.

Sat, 02/29/2020 - 02:38 Permalink
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Sun, 03/01/2020 - 02:47 Permalink
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Sun, 03/01/2020 - 04:02 Permalink
Ryan Havila (not verified)

My husband and I had some couple of negative items with relatively low score that disqualified us from everything. So we searched for a credit expert on credit magic to help us fix our credit score, we agreed to trust 760PLUS CREDIT SCORE after we have read good reviews and trusted recommendations from people about him, we explained the negative items on our report to him and he gave us a period of one week. Eventually, we finally got an excellent result within 7 days .Our score were increased to 780 and 805 respectively .All debt were marked as paid, late payment appeared as on time payment and other negative item were deleted. I recommend the hacker to people that want to fix their credit problem. Write him via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.

Sun, 03/01/2020 - 05:30 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:31 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:31 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:31 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:32 Permalink
Archie Maya (not verified)

Hello my name is Archie Maya from Hawaii, I saw an advert on the internet about OCTOPUS CREDIT SOLUTION saying “ if you have a poor credit, you may be struggling to qualify for a credit card,rent an apartment or even get a personal loan.To help make you a better applicant by increasing your score and removing all negative items and other hacking related issues. And I decided to contact them through her contact address OCTOPUSCREDITSOLUTION247@GMAIL.COM +1[ 678 810 2504] I got a swift respond which changed a three year old credit issue within five working days. My score was increased to 790 which qualified me for a business loan and other financial issues all solved.

Mon, 03/02/2020 - 23:33 Permalink