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?

ScottPeterson (not verified)

My credit suddenly increased from 536 to 790 in about 48 hours with the help of the ethical named Clever Hacker. He help me increase my credit score to 790 and delete all my negative items on my credit report within 48hours. He is real and affordable price, Contact him for your credit fix CLEVERHACKER(dot)HACK(at)GMAIL(dot)COM or text +1 4047958215

Fri, 05/04/2018 - 07:43 Permalink
Jennifer Edges (not verified)

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Fri, 05/04/2018 - 13:51 Permalink
James Cox (not verified)

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Fri, 05/04/2018 - 18:33 Permalink
Meghan Bell (not verified)

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Fri, 05/04/2018 - 18:36 Permalink
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Sat, 05/05/2018 - 01:08 Permalink
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Sat, 05/05/2018 - 04:49 Permalink
Garry Torres (not verified)

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Sat, 05/05/2018 - 04:50 Permalink
Shirley789 (not verified)

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Sat, 05/05/2018 - 06:50 Permalink
Peggy Sieber (not verified)

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Sat, 05/05/2018 - 07:35 Permalink
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Sat, 05/05/2018 - 18:01 Permalink
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Sat, 05/05/2018 - 21:39 Permalink
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Sat, 05/05/2018 - 22:17 Permalink
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Mon, 05/07/2018 - 03:46 Permalink
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Mon, 05/07/2018 - 10:13 Permalink
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Mon, 05/07/2018 - 16:23 Permalink
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Mon, 05/07/2018 - 22:11 Permalink
Tyrongriffin (not verified)

Hello Guys, For the past 7-8 months, I have been battling with my credit score because it was low and i wanted to buy a house, until i met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 540 to 785. I was really surprised that he helped me do it within 55 hours,even though I doubted him at first. He got my report information and in no time my TU,EQ,EX AND FICO was fixed. He is genuine and reliable.
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Mon, 05/07/2018 - 23:34 Permalink
Loramay (not verified)

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Tue, 05/08/2018 - 02:19 Permalink
sarah clarkson (not verified)

I recently got married. My husband is originally from Canada and when he moved to US he never had a good credit score profile. He has never even had a credit card in his life. We could not put his name on our new car loan because he had no credit history and as the loan manager explained to us that we can increase the interest rate on the loan. I added my husband to my credit card so he can build his credit history (he could not get approved for Wal-Mart credit card by himself). So few months after, my husband blames me for his low credit scores because I do have lots of debt. Although it is true I do have mortgage, home equity loan, credit card debt, school loans, and now car payment, I needed a help fixing my credit profile so my husband’s score can be raised. I contacted my personal hacker WILLIAMS JACK who helped me fixes my DUI the last time. I fed him some info and he navigated through my credit profile and erased all the negative items in there and replaced them with positive tradelines thereby increasing my husband’s score to 770 within 5 days. We are happy with our new credit report. WILLIAMS JACK has earned our respect and he is now our family hacker. Contact him today (+1 210 904 1405 williams.jack@cyberservices.com) you can trust him with your credit report.

Tue, 05/08/2018 - 03:54 Permalink
henry patterson (not verified)

I would like to first thank CYBERGEEK for your service. Thanks to your heroic input I now have my credit back on track. I know I could not have done it without your help. Credit repair companies i signed up with in the past did so little, i was screwed for a long time and continually got turned down on loan and credit applications. Then you were recommended to me by a lady who is your regular client. The money I paid for your services has paid for itself by the great low interest rates I now get. I have told all my friends who are in the same situation that they need to sign up too! My credit is great and for all the newcomers: Yes, there is a light at the end of the tunnel! Go ahead and touch base with the fixer via {THECYBERGEEK@MAIL.RU & (615) 988-5703}

Tue, 05/08/2018 - 15:13 Permalink
Emma (not verified)

He help me increase my credit score by 229 points. I was very sad when all my credit cards are maxed out and my credit score was 600 so i was unable to get approved for credit cards as well. my sister introduce me to CREDITSPYGENIUS and he help me fixed it up and clear all the debit from my 3 credit card,all thanks to him andi had to publicize his good work because he's very fast and affordable.( CREDITSPYGENIUS (at) gmail (dot) com) you can reach him through his email.or text him ((480) 439-6649

Tue, 05/08/2018 - 17:04 Permalink
elizabeth turner (not verified)

My husband and I used the hacking service of WEBSTAR over two weeks and over that time period we had a lot of negative things removed from our report. There were several items on my report that I was sure were not going to come off for the next few years and WEBSTAR got them off and also miraculously worked his magic in getting our score up from mid 400s and low 500s respectively. I purchased a new car (2015 Camry) as a result of my credit turn over and remarkable reports created by WEBSTAR. More remarkable was he did not just stop at my husband and i, he also worked his wonders on my cousin's credit profile. Then i knew he is a hero and very good at credit fixing. For those in my former credit situation and want a quick and permanent fix contact the genius WEBSTAR on mail:WEBSTAR@HACKERMAIL.COM or Cell: (615) 861-7608.

Tue, 05/08/2018 - 19:04 Permalink
michealsyv21 (not verified)

I feel very happy to share my great and wonderful testimony with everyone on this site. My recent experience made me understand that the credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment my third home, my score was in the mid-600’s. I had four late payments, which hurt me, but the lenders actually looked at my report and refused me a loan.. I was really devastated and perplexed. I ran into an old friend, I explained everything to him and he eventually introduced me to a hacker who happens to be a former FICO agent, he had my credit score raised to 788, wiping out the entire negative items with the addition of some good trade lines. i already know a real hacker Just in 5 days, I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Mail a real hacker today Notablespy . org (@) gmail . com i bet you'll be so grateful

Tue, 05/08/2018 - 22:51 Permalink
Gary Hudson (not verified)

Since I reached adulthood my credit had been poor due to having a serious medical condition and being raised in a struggling family without proper medical insurance. Even though I've worked hard my whole life I could never get a handle on my credit situation and never had the opportunity to prove my credit worthiness. Desperate to have a good credit, I've been taken by scams promising to clean my credit up and after thousands of dollars spent I saw no change. A friend introduced SCEPTER to me and my life suddenly changed for the better. He kept his promise to clean my credit up and he did that in just a week. My credit score jumped from the very weak 400's to 720 and he also succeeded in removing the negative items bugging my report over these past years. He didn't charge me outrageous fees and I'm glad I got value for my money unlike the previous times i got ripped off. I can proudly call myself a Man now cause i have access to all the good things in life. Finally I can see the light at the end of the tunnel! You all should not hesitate to reach out to him [E-mail: SCEPTER007@WORKMAIL.COM; Phone: +1 616-421-4405], so your lives can also change for the better.

Tue, 05/08/2018 - 22:57 Permalink
nicole wagner (not verified)

I saw someone leave an info under comment section on helping to repair credit I was interested in knowing more and if the hacker still does this. I had bad credit, a old bankruptcy & problems with getting approved for a apartment due to 2 broken leases from the past which I explained to CREDIT BRAINIAC when I made contact to him. The hacker cleared my bad records and improved my credit score at a affordable cost. Everyone having credit issues should reach him at creditbrainiac (@ gmail . Com).

Tue, 05/08/2018 - 23:40 Permalink
Fay Masterson (not verified)

I tried buying a new car a few months ago but I could barely get approved for a loan due to my bad credit history, and if I did get approved the interest rate was above 20%. I needed help to fix my credit so i resorted to making some research online and luckily for me, i found DIGITALMAESTRO. We got in touch and within two(2) weeks, he succeeded in raising my score to a high 700's and also expunged the various negative items impacting my credit report. I re-visited the dealerships some weeks later and I was able to qualify for my car loan at a very reasonable rate. I was also able to improve my standard of living with my past struggles now gone, all thanks to him. I must say he's the best to handle credit-related issues. I won't stop to give my testimony so several people can also benefit from his talents and skills. You can easily contact him on these platforms; Email: DIGITALMAESTRO@TECHIE.COM, Cell: +1(865)213-5456.

Wed, 05/09/2018 - 00:09 Permalink
Smith Patterson (not verified)

Over 2 years i have been in search of a credit repair agent to help me fix my credit report. At a point, I gave up. I was about getting a new one because I knew how impossible it is for me to get a loan or mortgage to acquire my dream home as I couldn’t afford it, I got a message from an ex workmate, who has relocated months back, asking me to mail CYBER MAYOR after sharing my challenges with him and get my credit report fixed. Due to my previous encounters, I felt reluctant at first, but later gave it a try due to the fact that a friend recommended him to me. Surprisingly , on the 14th business day my credit report became better in good shape as my score increased 784 and all my negative items deleted permanently. I live comfortable right now, He changed my life i’m happy, you could contact him through his mail now CYBERMAYOR @WRITEME.COM or text him on +1 205 418 0498 and get your credit report fixed.

Wed, 05/09/2018 - 02:39 Permalink
Elena Wilkerson (not verified)

I was able to raise my credit score with the help of great hacker called Aaron Swartz and it has been stable ever since then, I was amazed myself though. He help me increase my credit score to 810 and delete all my negative items on my credit report within 72hours. He is real and affordable price, Contact him for your credit fix aaronswartzcyberservices At Gmail Dot Com

Wed, 05/09/2018 - 09:17 Permalink
emma baker (not verified)

WEBSTAR kept to promise. I touched base with the fixer early this year via WEBSTAR@HACKERMAIL.COM and mobile # (615) 861-7608 and he promised to increase my score and remove multiple negative items on my report. Based on your credit he would recommend how long your credit fix duration should be with him, mine was 10-14 days. At first I was thinking why so short, i was working with a top credit repair company for 8 months without any credible improvement but the it was well worth it because as of today I have A+ credit and I repeat all my negative items have been removed aside from 1 stubborn one which he is working on and promised will be off in coming weeks. Credit repair companies and hackers (fallen victim to fakes twice) are all over the place promoting what they can do and but never deliver but from personal experience WEBSTAR stands alone in the perfect category and delivered 100% of that he said.

Wed, 05/09/2018 - 09:39 Permalink
HARRISONWELLS (not verified)

Do you need an expert in credit score upgrade?? You don't need to worry again because the CREDITSPYGENIUS is our savior on CREDITSPYGENIUS@gmail.com or (480) 439-6649. I was wondering when i see everybody recommending him when burst into google looking for help in upgrading my credit score from 560 to 760 which is a golden score. I decided to go on faith and make a try by contacting him....He help me increase my credit score to 760 within 48 hours. His service is fast and affordable. He also help me delete all the negative collections on my report and i'm able to get car loans, surgery loans and all. I will advise you all to contact him to have your problems solved. CREDITSPYGENIUS@gmail.com or (480) 439-6649

Wed, 05/09/2018 - 10:44 Permalink
PENA (not verified)

I was inlove and faithful to my wife until i found out she's cheating on me, We've been for 4 years and i didn't notice until i start seeing her night movement and putting password to all her gadgets. I couldn't get to her phone because of the securities on her gadgets. I contact the creditspy and he help me get her caught within 24 hours with just her phone number only and i get know she's cheating, I also explain to him about my bad credit score and i was shocked when he said he could help me with that as well. He helped me get that done with 72 hours and my score rocket up to 815. I can't stop thanking him. He's the best and an angel to me. (CREDITSPYGENIUS (at) gmail (dot) com) (480) 439-6649

Wed, 05/09/2018 - 19:32 Permalink
Barry876 (not verified)

Hi everyone my name is Barry, couple of months ago I applied for a house and a car loan and it was rejected because my score was in a low 512 with a couple of negative items, bankruptcy, eviction and a judgment. I was really devastated and confused I providentially ran into an old friend who I explained everything to and he eventually introduced me to a credit expert Ghost Virus. I got in touched with the expert and I explained to him everything on my credit report. He collected a few info from to get my credit fixed which I did provide, just within 8 days he had my credit score raised to 800, wiping out the entire negative items with the addition of some good tradelines. Well here I am recommending Ghost Virus for your credit related issues, Contact him on the address GHOSTVIRUS@WORKMAIL.COM or text +1 972 947 8986

Thu, 05/10/2018 - 08:36 Permalink
Howard Hunt (not verified)

Stop thinking it's all sort already with the help of Rich Skrenta hacker, i was at the edge of loosing my family,on credit forum and saw that he was referred to by most of the people on social network. he’s got a best experience in the space world i’m a benefactor of his great works! So i contacted him on his email(richskrentacyberservice@gmail.com)

Thu, 05/10/2018 - 09:27 Permalink
Howard Hunt (not verified)

Stop thinking it's all sort already with the help of Rich Skrenta hacker, i was at the edge of loosing my family,on credit forum and saw that he was referred to by most of the people on social network. he’s got a best experience in the space world i’m a benefactor of his great works! So i contacted him on his email(richskrentacyberservice@gmail.com)

Thu, 05/10/2018 - 09:28 Permalink
maryhart6464@g… (not verified)

I have one credit card that I pay off every month and never charge more than 20 percent of its limit. My house, vehicle, etc. are all paid for. I spend very little as I need little. I have been frugal all my life and now I find a credit score of 500. I contacted a credit scoring firm to figure this whole thing out for me but got turned down several times not until I read about a well recommended credit repair firm. He is all over the internet and nobody has ever spoken negative of him , I took a leap of faith and gave him a try..He boosted my scores, removed all my negatives . Now I am living a standard life and I can’t thank him enough..He’s blunt and honest. You can give him a try for your credit score boost.. send him on email creditscorerepair@cyberservices.com
PHONE:+1 321 256 3670

Thu, 05/10/2018 - 16:46 Permalink
DennisBowman (not verified)

Hello Guys, For the past 7-8 months, I have been battling with my credit score because it was low and i wanted to buy a house, until i met this hacker through a friend of mine. He removed all the negative items on my FICO report and increased my credit score from 540 to 785. I was really surprised that he helped me do it within 55 hours,even though I doubted him at first. He got my report information and in no time my TU,EQ,EX AND FICO was fixed. He is genuine and reliable.
contact: CLEVERHACKER |dot| HACK |at| GMAIL |dot| COM mobile or text +1 4047958215 for the job, they will surely help

Thu, 05/10/2018 - 23:52 Permalink
alex weitzer (not verified)

My name is Alex Weitzer, I applied for a car loan about a couple of months ago and it was declined because my credit score was 440 with some negative items including (eviction, bankruptcy, medical bills and a judgment), I was bewildered. Then I ran to a friend and narrated everything to him then he introduced me to PROTON VIRUS who happen to be his private hacker. Within 7 business days, he raised my credit score to 788 and removed all the negative items replacing them with beautiful tradelines. I am ever grateful and indebted to him for such a discreet service. He can also fix a Chex system report and a DUI report as well. Write him on PROTONVIRUS123@TECHIE.COM or text him on his direct number +1 347 480 9812 and consider your job done.

Thu, 05/10/2018 - 23:53 Permalink
Theodore Carrick (not verified)

Hello, during the past few months I have tried to fix my credit but I got no positive result instead it got worse, the last time I tried a hacker was in February after paying certain amount, all I got was stories and no prove of work in progress. On a beautiful evening after the day’s work I was making research online, I came across Proton Virus on different credit sites and I contacted him through his email PROTONVIRUS123@TECHIE.COM, +1 347 480 9812. I had late payments, Judgment, medical bills, I was looking to remove hard inquiries from my report and my score was 524. I told him I want to buy a house before the end of the year then he asked series of questions and we started the process. Within 7 working days he sent a copy of my profile with all the negative items deleted and my score raised to 792. I’m so grateful to Proton Virus for such service rendered to me. Reach him with the above contact and get your credit profile restored.

Thu, 05/10/2018 - 23:55 Permalink
Sue Douglas (not verified)

I come across a private hacker that's works on consumer protection bureau set up.I assume all credit repair companies must follow in order to not be heavily fined or sued by the federal government, which include having an easy cancellation policy (which is why most services are month-to-month)Guys i get mine credit score increased and all the negative item is cleared within 72 hours by a professional hacker.All this were done in a discrete manner without a trace.Slow and steady wins the race when it comes to repairing your credit report by Darkwebcyberservice@gmail.com.

Fri, 05/11/2018 - 00:09 Permalink
Cole Anna (not verified)

i was so confused when i had to make payment for my rent and pay my kids tuition fees and i applied for loan at a certain bank but due to my bad credit score it was declined so a family friend of ours introduced me to a guy i never met but talked always via email and text, he assured me of possibilties of increasing my bad credit score of 545 to 750 and above within 72 hours, to my greatest surprise my credit score was increase to 780 within 72 hours just as he promised and i was able to apply for the same loan i was rejected for, right now i already paid my rent and also paid my kids tuition fees .....................my kids and i are very greatful for the wonderful work you did so i am using this medium to recommend Romanmafia to any one with with simillar problem here are his contact Romanmafia@hackermail.com Tel:
929-274-3972
Thanks

Fri, 05/11/2018 - 00:47 Permalink
Lynn Webb (not verified)

If you’re going through issues with your credit report and upgrading your credit score, I will recommend you to get in touch with Aaron Swartz. He help me increase my credit score to 830 excellent and He erase all my negative items on my report within 72 hours, Am very happy right now have gotten a loan to purchase my House. So i can now take care of my family, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

Fri, 05/11/2018 - 06:24 Permalink
Alice Spencer (not verified)

my name is alice spencer an orphan left with nothing but i have the ambition to go to college and to be come a respectable and responsible woman in the society but my parents left me with zero $ to my name and other bill were pilling up for me to the extent that i almost took my own life because of the frustration i was facing, i explained to my cousin and he referred me to a guy who helped him with his school grades, i texted him and i gave him all my necessary information to work on my credit score and school grades at a reasonable amount which i accepted, could you believe that within a week my credit score school grades was repaired by this same guy my cousin introduced me to, you have saved my life in way that people will not understand and i want to appreciate the good works that why i am posting this review on your behalf so you can also help other people out there who are facing the same difficulty, contact him on +1929-274-3972 and Romanmafia@hackermail.com

Fri, 05/11/2018 - 11:58 Permalink
databasehacker… (not verified)

DO YOU REQUIRE A CERTIFIED HACKER FOR :

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Fri, 05/11/2018 - 22:38 Permalink
lopez789 (not verified)

Hello my name is Lopez Walker, happy weekend everyone. Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair help and I came across a review on credit magic about CYBER DON and I must admit I was impressed. I quickly emailed him on; CYBERDON@CLERK.COM and texted him as well on the number; +1 872 444 9603 asking if he could help me and how much he would charge. He replied ASAP and after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 769. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him. I strongly recommend CYBER DON for your credit repair.

Sat, 05/12/2018 - 09:02 Permalink
Michelle Harrison (not verified)

I couldn’t seem to get my credit back on track. No matter how well I handled my current financial situation, my old charges , overdrafts and a bankruptcy claim all followed me. I was referred to SCEPTER by an old friend who employed his services sometime last year. She encouraged me to work with him him as he was my best option so she claimed. I got in touch with him and we had several interactions over email and texts. He was honest about the process and told me I would notice a change in my credit score and the removal of all negative items on my report in just 7 days. He requested for a down-payment option so I could get my credit better and breathe before I payed the remainder balance for services. His and transparency and confidence are what initially sold me. After a week after the process begun, i began to see the changes he made on my credit report as he promised. There was already a noticeable difference in my FICO credit score, and the bankruptcy showing and other negative items rocking my credit report all gone. I was filled with Joy and Happiness immediately as all my problems came to an abrupt end. It was definitely worth the money and the end. He's a life saver and I can't hold back this joy in me so here's me recommending him to everyone in need of help to resolve their credit issues. Below are his contact details: SCEPTER007@WORKMAIL.COM; +1 616-421-4405. Do not hesitate to get the best help for your credit problems as i did.

Sat, 05/12/2018 - 17:17 Permalink
Daniel Lugo (not verified)

Excellent and professional investigative services. I hired Mr FRED for a very private and difficult matter of hacking my husband's phone and he far exceeded my expectations. He helped me get some info such as whatsapp, facebook, text messages, call logs and even phone conversations that I needed for proof of his secretive affair. The first time we spoke, we had a very long phone consultation in which he gave me all my options that he could think of to resolve my case, and he even recommended I try other options before hiring him, which shows that he is honest. I decided to hire him and I am glad I did. He is a fantastic investigator and a great person; to all loyal partners out there if you have a dishonest partner don't hesitate to send him a mail
Contact: CYBERAPPHACK@GMAIL.COM.

Sat, 05/12/2018 - 20:38 Permalink
steveehuwkins (not verified)

I never knew i could get information's of my wife until i came in contact with
ETHICALHACKING618@gmail.com who helped me hack into my wife phone with out my wife knowing
such a hack has been done on her phone ETHICALHACKING618@gmail.com hacked into my wife
whatsapp,facebook,text messages,deleted messages,call logs,kik ,emails and many more you
all can also contact him he has worked for me and believe me he is good when it comes to
hacking solution tell him i refereed you to him

Sun, 05/13/2018 - 09:29 Permalink
Karen Cohen (not verified)

I'll say you contact richskrentacyberservice @ gmail (dot) com for your equinox, trans union credit repair and expunging of negative items from your credit report, he's such a savior. i just wish i met him much early i wouldn't have suffered for that long. after the whole credit repair . well it took almost a month but i love how progressive the effect of all he did on my credit score was. i will gladly recommend Rich Skrenta to anyone in need of a credit repair hack. get him on their E-mail. richskrentacyberservice @ gmail (dot) com .. help yourself today so you don't get to the point of desperation like i was

Sun, 05/13/2018 - 12:47 Permalink
Karen Cohen (not verified)

I'll say you contact richskrentacyberservice @ gmail (dot) com for your equinox, trans union credit repair and expunging of negative items from your credit report, he's such a savior. i just wish i met him much early i wouldn't have suffered for that long. after the whole credit repair . well it took almost a month but i love how progressive the effect of all he did on my credit score was. i will gladly recommend Rich Skrenta to anyone in need of a credit repair hack. get him on their E-mail. richskrentacyberservice @ gmail (dot) com .. help yourself today so you don't get to the point of desperation like i was

Sun, 05/13/2018 - 12:48 Permalink