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?

Hi Wasco,

If you are talking about removal of negative items from your credit report, then you are a little wrong :) . Negative listing and wrong listings are 2 different things.

For removal of negative items one needs to first validate a debt, then pay off the due amount to the creditor or collection agency (CA) along with the agreement of a"Pay for delete". However there is no such rule that the creditor or CA will have to validate the debt within 30 days. This is for removal of negative items or for those accounts you have been delinquent upon.

To remove wrong listings you need to dispute the items either with the CA or the credit bureaus or CRA. Wrong listings are those that have been listed incorrectly on your report. If you have payed off a debt, or if a debt is not yours, but still it is showing up on your report, it is considered to be a wrong listing.

Sat, 02/13/2010 - 07:43 Permalink

Hi wasko,

You cannot remove negative items from credit report. They will automatically remove if you improving your credit score. Never make late payments.

Thanks.
_________________________________________________________
Secure Credit Cards will help you to improve your credit score faster.

Tue, 02/16/2010 - 14:29 Permalink

This is always so confusing when your are not someone who is highly educated in the credit repair field. I like the original poster always seem to get different answers about the negatives. It has been my belief (from other members advice) that if you can get the creditor to agree for a pay for delete then you can in fact remove a negative. Others will say no to this. Is this because if a collection agency bought the debt you can not get it entirely removed because the orginal creditors mark is still there?

Tue, 02/16/2010 - 15:12 Permalink

Funny how everyone claims you cannot remove negative items from your credit report. Well, I am here to tell you you are all wrong.
Yes, you can remove negative tradelines with a pay for delete letter; if the CA and/or OC accpet it and follow through.

Negative listings that are not your accounts can be removed by the CRA by disputing them.

Now for all to people who continue to claikm you cannot remove a negative listing that is a legitimate account.....do your homework. Some of us smuks have had success in getting legitimate accounts removed by both the OC and/or CA. The cost.....time, postage and patience.

Yes, it is unethical but never impossible.

Remember, the same laws that protect the consumer rights are being manipulated by the OC, CA and CRA's. You can use those same loopholes against the same violators of the laws that are established to protect the consumer. Turn the tables on the industry.

Will the legitimate account re-appear? It is possible.

Will they eventually drop off your credit report....yes.
But why wait, if you don't have too.

Tue, 02/16/2010 - 15:49 Permalink

SInce Junly 2008,

I have had good success removing negatives from my credit reports that were in fact legitimate accounts.

Transunion - 6 accounts removed/deleted
Experian - 12 accounts removed/deleted
Equifax - 18 accounts removed/deleted

These include collection accounts, charge off's, 120 late pay, lien and a judgement.

Yes, the accounts are still owed, but they have not re-surfaced on any of my credit reports yet. Will they.....most likely not as the reporting timelines are near their 7 year cycles.

How? By using similiar persistence tactics by OC abd CA. Only difference is the combination of the law and statutes used to accomplish the goal of cleaning up my credit. The same statutes and laws used to protect the consumer from consumer rights violations can be turned against the CA, CRA and OC.

It is a matter of finding the right process and tools as each situation is different. The FTC has been little to know help. The attorney General has spurred some assistance in confirming receipt of correspondence. The best help I have found has been the the various forums throughout the internet that has time tested situations of both success and failures; plus the BBB, local District Attorney and of cource the FCRA, FDCPA, FCBA and FACTA.

My personal goal is too continue fighting until I have exhausted every possible remedy and the 7.5 year reporting cycle has lapsed.

I will not pay anything to these legitimate accounts until they can refutably show proof I owe the money. Persistance, patience and education can do wonders.

All this being done without a credit repair company. I have still yet to litigate with a OC, CRA or CA; but I am sure I am well prepared with all my ducks in a row....should the need ever arise.

Until them I will thank my lucky stars I have not had to go to the extreme legal measures.

Tue, 02/16/2010 - 19:55 Permalink
Credit King (not verified)

You can remove a negative item before the 7 year period... But it will take some god honest prayers and hopes that the party whom reported this will honor your request... Per my lawyers advice, you can send in either a letter or a phone call to the party in which placed the negative item on your credit report.. My auto loan people, stated that they did not have to report the negative item in which they stated that if I were to make consistent payments on time thereafter that they would remove the negative reporting, and sure enough it has happened... it takes some creativity because the credit reporting agencies are so big that they can in fact remove something ....

Sat, 08/07/2010 - 23:32 Permalink
joanna murry (not verified)

Someone has pulled my credit about 30 times or more in past 2 months trying to get loans in my name. My credit score dropped to 540 because of this and I want those removed immediately. I don't know who did it but I can't use my credit at all now.

Wed, 01/26/2011 - 07:27 Permalink

Have you reported this to the police? have you frozen your credit? I would make a written request for all info on these credit applications. Are they from nearby? maybe you can go to the businesses and get there help in finding the perpetrator. I would dispute the inquiries and notify the attorney general. ask them for help in stopping the ID theft and getting the CRAs to delete the inquiries

Sat, 01/29/2011 - 13:30 Permalink
Aletha (not verified)

As for those who assume that you can not get negative credit remove from credit reports. Whether they are legitimate accounts or not, Yes you can. You need to challenge them with the accuracy of reporting the debt. As you know that FCRA requires the CB and CA to report 100 % information on Credit Reports. Challenge them on the accuracy and watch how some of the negative credit get deleted. I have had many removed from my credit report. Such as repo, liens, charge off etc. And none of them try to re enter the information again.

Fri, 03/11/2011 - 18:58 Permalink
Ashley (not verified)

Most times you cannot remove negative items off your credit list but you are able to have the negative item turned into a positive item. What you need to do is file a dispute with the credit card agencies I usually do mine online since it is easier. Then you usually pick from the reasons why you are disputing the item for example: never paid late. Now what most people don't tell you is that if the credit report agencies don't hear back from whomever your disputing against say a credit card within 30 days they automatically side with you. I currently have 2 negatives items on my credit report turned into a postive. I am working on some more and the more likely than not when you get one credit report agency to change something on your credit report it is easier to get it changed on the others.

Sun, 03/20/2011 - 00:16 Permalink
wild willy (not verified)

there is also something else that seems to me no one has mentioned.I recently,bought my credit scores,and if you can believe this my credit scores actually took a significant''hit'' would someone tell ''what is up with that crap''

Tue, 05/03/2011 - 00:29 Permalink
anthony4161976 (not verified)

how do you remove a negative off walmart ive tried calling them cause they maild the bill to the wrong address twice now i am trying to buy a house and walmart refuses to remove that from my credit score i dont know what to do can someone please help me

Thu, 05/05/2011 - 15:54 Permalink

Is it a CC htat is a Walmart CC? When you called them, could you have possibly paid the debt right over the phone? If you did have an opportunity to do this, that doesn't mean they would have taken it off your CR. Maybe you can call them again and ask about arrangments and if it IS possible to remove the 'negative' item.

Mon, 05/16/2011 - 01:18 Permalink
bdublu (not verified)

so what happens if the CA or CRA returned the "pay for deletion" letter signed ,and agrees to remove or change the negative status into a positve, but does not follow up on that agreement? What other course of action is there? Does one then send the signed agreement to the credit bureaus for removal?

Wed, 06/15/2011 - 21:38 Permalink

JOANNA: you can call the CRA's and put a 'freeze' on your credit if ID theft is happening. I actually had that happen, myself. I had my wallet stolen and my CC used, etc. When you put a 'freeze' on it, and if someone is trying to acces your credit in anyway, the CB will inform you of this. They did with me!!..thankgoodness!!
WILLY: if YOU are the one who is access your own CR and obtaining your own scores, your credit score shouldn't go down. Usually your credit score goes down if someone else (a lender, etc) is inquiring about your credit.

Fri, 06/17/2011 - 12:19 Permalink
wmonica (not verified)

can a credit repair firm get things off your credit report sooner than you could do alone? I was an authorized user on a parents credit card and my name was pulled off before they went delinquint.

Thu, 03/01/2012 - 03:58 Permalink
Jesss (not verified)

I am trying to remove some negative items from my credit and so far nobody has shown me how to do it step by step you guys only
talk about your experience and that's it.

Tue, 08/07/2012 - 15:37 Permalink
milton smith (not verified)

hi im Milton and I have some items on my credit report that need to be removed. I have paid all of the items off except two and I am trying to get one of those off through the courts and that is a judgement and the other is a direct tv bill for 561.00 can you help me remove these items. you can call me at 252-268-6714 anytime. thank you and I hope to hear from you..................milton

Fri, 06/28/2013 - 01:05 Permalink
tigerstripe (not verified)

what is CA or CRA

Fri, 09/13/2013 - 06:12 Permalink
Anonymous (not verified)

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Tue, 05/13/2014 - 00:42 Permalink
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Tue, 08/05/2014 - 00:32 Permalink
Deededd (not verified)

All of my school loans have been paid off because I am 100% permanent and total disabled veteran but they are all on my report with a 0 bal and negative standing. I was actually paying the agencies before I became disabled, how can I get those items removed

Tue, 12/09/2014 - 16:12 Permalink
Sickofit (not verified)

My husband declared bankruptcy 3 years ago and we just found out the mobile home we live in was included. Now we can't get a mortgage until it is off our credit report. We have great references from our mortgage bank in writing. Where do I go from here?

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Wed, 12/07/2016 - 05:12 Permalink
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Wed, 07/12/2017 - 21:21 Permalink
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Wed, 07/12/2017 - 21:34 Permalink
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Wed, 09/13/2017 - 08:48 Permalink
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Wed, 09/20/2017 - 20:36 Permalink
Miguel Alatorre (not verified)

My name is Miguel i never thought Derrick could actually fix my credit report in just 3days after been scammed by online imposters who claim to be hackers. I am grateful to my friend who referred him to me and also thankful to Derrick for a discreet service offered to me. I initially had 4 negative item which included an eviction, bankruptcy and judgement and a low score of 545. Now i recommend him to you. You could email him derrickrepair@techie.com or call him on 774 234 8622 and get your problems solved in a discreet manner and relatively short period.

Wed, 09/20/2017 - 21:25 Permalink
Luc Level (not verified)

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Wed, 09/27/2017 - 00:22 Permalink
Capt Ken (not verified)

Today, my Transunion new score is 775 out of a possible 850; my Vantage score is 990 out of 990; my auto score is 905 out of 950; and my home score is 912 out of 950. All scores computed from the same database on the same day. Why the variances? Use of different algorithms. Who controls the algorithms? The rating agencies. What can you do about it—-nothing! I filed a complaint against the rating agencies in 2010 to the FTC, and to date, they have acknowledged receipt but have not responded. They are not going to respond. The rating agencies run wild
I don’t need new credit. I am 73 years old, and have assets. However, I do pay auto and home insurance each year and not having my home and auto scores maxed-out affects what I pay for home and auto insurance each year. Probably costs me several hundred dollars for my private residence and rentals.
I repeat, the credit rating agencies have more power over your financial life than you can imagine, and they report to no one. Not one government agency will get involved in the algorithms used by rating agencies. It’s their call. Not even the new Consumer Protection Agency will touch this subject. I know. I tried to get them involved but got disappointed. As usual no response. I was able to put a full stop to through the help of a young man and now my scores are what I want it to be. He’s honest and very intelligent. The way he worked it all out I have no idea but he did. You should contact him today he will help change your life
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Wed, 09/27/2017 - 12:12 Permalink
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Wed, 09/27/2017 - 15:06 Permalink
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Fri, 09/29/2017 - 19:12 Permalink
Capt Ken (not verified)

Today, my Transunion new score is 775 out of a possible 850; my Vantage score is 990 out of 990; my auto score is 905 out of 950; and my home score is 912 out of 950. All scores computed from the same database on the same day. Why the variances? Use of different algorithms. Who controls the algorithms? The rating agencies. What can you do about it—-nothing! I filed a complaint against the rating agencies in 2010 to the FTC, and to date, they have acknowledged receipt but have not responded. They are not going to respond. The rating agencies run wild
I don’t need new credit. I am 73 years old, and have assets. However, I do pay auto and home insurance each year and not having my home and auto scores maxed-out affects what I pay for home and auto insurance each year. Probably costs me several hundred dollars for my private residence and rentals.
I repeat, the credit rating agencies have more power over your financial life than you can imagine, and they report to no one. Not one government agency will get involved in the algorithms used by rating agencies. It’s their call. Not even the new Consumer Protection Agency will touch this subject. I know. I tried to get them involved but got disappointed. As usual no response. I was able to put a full stop to through the help of a young man and now my scores are what I want it to be. He’s honest and very intelligent. The way he worked it all out I have no idea but he did. You should contact him today he will help change your life
CYBERDON@CLERK.COM or +1 (912) 388-3132

Sun, 10/01/2017 - 07:19 Permalink
emilage (not verified)

I never knew a hacker could improve a credit score until i met one on a discussion forum when i googled how to improve my credit score, i read a lady’s comment on how capable the hacker is of solving any problems that has to do with hacking. So i sent him a mail and asked if he had the ability to raise credit scores(all 3 companies) and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he’ll need to run the hack. when i did just that, he completed the hack within 72 hours at a price that’s worth it. I give thanks to the ethical hacker for coming to my aid when i needed him the most. Reach the hacker at spystealth.org at gmail dot com and you’ll be amazed by his skills.

Mon, 10/02/2017 - 23:22 Permalink
emily agee (not verified)

I never knew a hacker could improve a credit score until i met one on a discussion forum when i googled how to improve my credit score, i read a lady’s comment on how capable the hacker is of solving any problems that has to do with hacking. So i sent him a mail and asked if he had the ability to raise credit scores(all 3 companies) and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he’ll need to run the hack. when i did just that, he completed the hack within 72 hours at a price that’s worth it. I give thanks to the ethical hacker for coming to my aid when i needed him the most. Reach the hacker at spystealth.org at gmail dot com and you’ll be amazed by his skills.

Mon, 10/02/2017 - 23:24 Permalink
emily agee (not verified)

I never knew hackers could improve a low credit score until i met one on a discussion forum when i googled how to improve my credit score, i read a lady’s comment on how capable the hacker is of solving any problems that has to do with hacking. So i sent him a mail and asked if he had the ability to raise credit scores(all 3 companies) and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he’ll need to run the hack. when i did just that, he completed the hack within 72 hours at a price that’s worth it. I give thanks to the ethical hacker for coming to my aid when i needed him the most. Reach the hacker at spystealth.org at gmail dot com and you’ll be amazed by his skills.

Wed, 10/04/2017 - 04:07 Permalink