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?
Credit Score
I was virtually debt free until after finishing my MBA. I worked hard all through school, but once I got out I had a difficult time finding work. The credit card bills and loan payments started stacking up, and I just couldn’t meet the minimal requirement. It was a scary time for my fiancé and I, but after hearing positive review after positive review we contacted the experts at Superb Technologies Credit Solutions (Superbtechnologies444@gmail.com)They were patient and thorough while trying to sort through and reverse the damaged I’d done to my credit. We highly suggest them to anyone who’s gotten in a financial bind.
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CREDIT FIX
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suggestion
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suggestion
i have been a ripped off by different hackers who almost ruined me till i read about QUADHACKED(at)GMAIL(dot)COM, i decided to give him a try cos my FICO score was as low as 510 which i was so sad about. just last night i checked my credit score and saw the positive changes he had made!!. This dude had upgraded to 770!!. I have since then connected him to friends and family who all were flabbergasted by his results, He never disappoints. i feel its only right i share him with the public as am sure there are so many in my situation.
suggestion
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BOOST YOUR CREDIT SCORE
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suggestion
if you are serious about getting a hack job done , i'll recommend
QUADHACKED(at)GMAIL(dot)COM. i read about QUADHACKED(at)GMAIL(dot)COM on a blog while i was in the dark trying to finesse my way through my credit report. i decided to give him a try cos my FICO score was as low as 415 which i was so worried about it because i needed to get a loan to pay my rent and Internal revenues. just last week i checked my credit score and saw the massive changes he had made!!. This dude had upgraded to 770!!, cleared significantly some of my bad debts/ report. I have since then connected him to friends and family who all were flabbergasted by his results, He never disappoints. i feel its only right i share him with the public as I am very much sure there are so many in my situation.
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Hello everyone please note that some of these so called hackers are imposters, I have been ripped off my money , i am thankful to my friend who gave me a relaible ontact, he works with discretion and delivers, he does all sort of hackings, (unrestricted and unniticeable access to your partner/spouse phone and PC). i will prefer to let his serivices speak for itself. you can contact him through his mail account (MCKILLONREPAIRSERVICE@WORKMAIL.COM) His cell +1 442-221-0547 . he will also help you to hack and change university grades.
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he actually did all he said he would do and now I’m happy sitting on a very high credit score (788) with
zero negative items on it. So you can quickly hit him up and get your credit issues fixed ASAP.
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CREDIT FIX
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hegaro@2ether.net
Do you need an hacker to solve your problem off your neck? I think you need a access to keep an eye on your cheated wife or want to know what she doing on her social networks by gaining access to her email,Whatever it is. He can get the job done. change of grades? Get WhatsApp hack, Email, Facebook, Criminal record erasing etc I recommend Rich Skrenta Hacker to you and he also work with great feedback. He is 100% legit. You just have to pay half of your payment before he begin your job. Contact him on is regular email: richskrentacyberservice (at) gmail (dot) com
Best of the Best
I am a single mother no kids. I promised Kevin hacker i was going to post a review about him if he could increase my credit score and hack my company website. So i guess now i have no choice but to post a review. Kevin Poulsen is one of the best hacker have even seen, my credit score has been increased to a golden score and my company website is now in my control. Thanks You So much. His address is (kevinpoulsenrealhacker@gmail.com)Â
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My name is Tiffany Maxie and I am from the state of Mississippi. I filed for bankruptcy in 2015 and have one lien on my property as well as student loans and several late payments. I needed capital to start a business but my credit score is in the high 500s and they wouldn’t get a loan approved for me. I found an information about a trusted programmer called Trojan (TROJAN@WRITEME.COM; +1 912 388 3132) while doing a search for credit score increase online with several references to his work and I buzzed him ASAP. He gave me a quick response and explained the whole process to me, I asked him if he can fix my credit permanently and he replied yes. After I gave him the info about my credit profile as he requested, he told me the job will take 5 to 7 business days and that was awesome. He pulled through, raised my score to 790 and deleted the Bankruptcy. All debt were marked as paid and late payments appeared as on time payment. OMG this is the best thing that has ever happened to me and my family. Go to him now with the above information and be as happy as I am.
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Hi,incase you dont know what benefits a golden score of 800 above can do,it will qualify you for the lowest interest rates and you can get approved for what ever loan you apply for within a short period of time. I just need to recommend a good work done by 'CLEVERHACKER(dot)HACK(at)GMAIL(dot)COM'.Few months ago i was in financial trouble which led to the default of my cards and late payments of my bills.I saw a review online about this hacker and i contacted him,Our conversation was 'i should apply for higher credit limit and he's gonna fund it until i attain a golden score of 780+.At first i was skeptical but i gave him a benefit of doubt without thinking twice.we had an agreement of 72 hours,in less than 72 hours i saw changes on my report.Now i'm in the 800 club and i just got my new car with the auto loan that was granted to me. You can also text +1 4047958215
i never knew debts could be so life threatening. I couldn't think, couldn't have a good moment without getting worried at the end. i was at the edge of filing for bankruptcy when i thought of getting a hacker to hack my credit and pay off my debts including my mortgage debts. So i did and it turned out far better than i thought. Firewallbreachexpert @ gmail . com was the email i contacted and he cleared all my debts including other negatives on my credit and also he wiped my mortgage debts of 600,000!. I'll be forever grateful to you sir. Email him to be free again.
Scott Jensen
Effective Hacker
When you are out of luck of hacker and you have nothing to do, why don't you try Rich Skrenta for effective job, He can get most hack job done.e.t.c... increase credit score, ranging from school grade, email job, hacking of social network and many more. "richskrentacyberservice@gmail.com"
pejul@mailtrix.net
i had been played and scammed of my money by people claiming to be hackers, all this changed as soon as i was put in contact with (kevinpoulsenrealhacker@gmail.com) who helped me with my credit score as well as hack into my wife email Started repairing my credit 2 days ago, and already my score has jumped 800 excellent. Trust me, you won't get results like this doing it with does playful hacker - just fast contact him and work in hand with a professional hacker like Kevin.
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I just feel like crying. I was back and forth with a property manager for an apartment I won’t be getting. She stated my rental filing is not an eviction but was showing on tenant safe site and software. There was two programs preventing me from renting; national tenant network and tenant safe. I couldn’t move, I was on the both of these sites with a tenant filing. My name is Josh my score is 452 out of 900 on clear score as you can see I cannot get anything at all due to being immature few years back. I have a few negatives, I have defaults with telecom companies and also credit card debts. I went online and found Trojan on credit sesame then I had to save his contact (TROJAN@WRITEME.COM, +1 912 388 3132). I emailed and texted him at the same time then we had a real conversation and he further explained the entire process on how he was going to fix my credit so I can be qualified for everything. He actually promised to help me bring my credit profile up to speed. After few days (7 to 9 business days) he deleted everything negative on my credit report. He removed the negative rental filing from national tenant network and tenant safe site, I was qualified to rent an apartment and moved with my family. He also raised my score from 452 to 783 making me the happiest man on earth. God bless him and his entire household. I strongly recommend him for your credit repair, Chex system and DUI fix.
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Hello, I’m Bob from Columbus Ohio. I Recently got married, My wife is originally from Canada but currently now in US she never had a credit history, she never even had a credit card. We could not put her name on our new car loan because she had no credit history and as loan manager explained to us that it can increase the interest rate on the loan. I added my wife’s name to my credit card so she can build her credit history (she could not get approved for Wal-Mart credit card by herself). few months after, my wife blames me for her low credit score because I do have lots of debt. Although it is true I do have mortgage, home equity loan, credit card debt, school loans, medical bills and now car payment, I needed a help fixing my credit profile so my wife’s score can be raised. I contacted a friend and he introduced me to his personal hacker CYBER MAYOR who helped him fix his DUI chexsystem. 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 line of credits thereby increasing my wife’s score to 787. We are happy with our new credit report. CYBER MAYOR has earned our respect and he is now our family hacker. Just text him on +1 205 418 0498 or email him on CYBERMAYOR@WRITEME.COM, you can trust him with your credit report.
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Hello, I’m Bob from Columbus Ohio. I Recently got married, My wife is originally from Canada but currently now in US she never had a credit history, she never even had a credit card. We could not put her name on our new car loan because she had no credit history and as loan manager explained to us that it can increase the interest rate on the loan. I added my wife’s name to my credit card so she can build her credit history (she could not get approved for Wal-Mart credit card by herself). few months after, my wife blames me for her low credit score because I do have lots of debt. Although it is true I do have mortgage, home equity loan, credit card debt, school loans, medical bills and now car payment, I needed a help fixing my credit profile so my wife’s score can be raised. I contacted a friend and he introduced me to his personal hacker CYBER MAYOR who helped him fix his DUI chexsystem. 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 line of credits thereby increasing my wife’s score to 787. We are happy with our new credit report. CYBER MAYOR has earned our respect and he is now our family hacker. Just text him on +1 205 418 0498 or email him on CYBERMAYOR@WRITEME.COM, you can trust him with your credit report.
Hello Everyone ,i am pleased to share my story with you all,Back in 2017 i went through this low credit score of mine ,i was fed up with it until my friend who had the same problem before told me he got a good hacker that can really help me out ,i thought it was a joke so i reluctantly agreed to try him out ,surprisingly he increased my credit score from 430 to 720 and cleared all negative report on my credit card within 4 days ,you can contact him at MCKILLONREPAIRSERVICE@WORKMAIL.COM...contact him and come thank me later !
This article was very useful. I had a bank do a hard pull when they told me they were going to check if I pre-qualified. The bank agreed to remove the inquiry but never did and I disputed that with Experian. Experian, however refused to remove the inquiry with the reason that the bank had “permissible purposeâ€. Filing a complaint with the CFPB with the bank manager’s promise was enough to make them remove it. All my effort to get this done was proven effortless until I came across this credit instructor who instructed me on how to get it done on my own after we both agreed on a deal he helped me get this done and all inquiry and other item were removed on my report and my score increased to its maximum (780 Excellent). Thanks Cyber Hack for a great job. You can reach him if you need a similar service he will help you get it done with no problem in future (cyberhack005 @gmailcom)
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I had an inquiry from 3/2017 fall off this month. As a side note, beware of fake hackers from different forum. I simply seeks for advice from Darkweb service.I discovered this service a couple days ago that they increase and clear negative report on credit cards,A client give testimony about the service and her new house,I remember when i was in a terrible situation sometimes last year because i was in need to get a new house, my credit score and my wife own too was bad.I need you guys to help me to review the great wizard because he clear my report and finally increase my score to 800 excellent result within 3 working days.I know some people out there are in this kind of situation and I would love to help to put the wizard contact right here,You can message him privately on his mail: darkwebcyberservice@gmail.com.If you have already lost hope,you can use this opportunity to know there is hope when you get in torch with him: darkwebcyberservice@gmail.com.
CREDIT REPORT FIX
It is everywhere on the web on every credit forum, testimonies about this hacker that hacker miraculously fixing credit reports and debts. I must confess it was too good to be true and felt like an orchestrated scam. I thought long and hard because I was in a credit mess, late payments, collections, repossession and I needed a bigger house for my family, a business loan which all was unattainable. I contacted CLEVERHACKERdotHACKatGMAILdotCOM or text +1 4047958215 I hoped testimonies about him was genuine and hell yes it was. I’m a living witness to his genius. I have a FICO score of 770 now from mid 500 with an impeccable report
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Hi my name is Rebecca, I live in West Virginia. I really needed a new home but I had medical bills, evictions, late payments on my credit profile. I tried a few old steps to do clean up but nothing really happened. I was reading online about credit fixing. I came across comments testifying to Ghost virus. I quickly saved he’s contact and hit him up. I introduced myself to him and asked how he can help in bringing my credit up to speed, after much discussion. I asked how long the process can take he told me (6 to 8 business days). I was okay with the duration, after he had collected some information from me to start the process and on the 8th day he was through with the job. He contacted me and told me to go checkup my credit and I was qualified for everything. I am currently writing from my new home with much enticement. You can contact him (GHOSTVIRUS@WORKMAIL.COM) or +1 972 947 8986 he also clean DUI and fix ChexSystems
All negatives wiped!
I believe it'll be wrong if i don't use this opportunity to let people know of this hacker who helped me boost my credit scores and erased my eviction records. I didn't deserve that judgement and he rescued me. I'll say contact him if you're seriously in need of help with your credit. Meeting him is one of my greatest moves. g l o b a l v i e w |.| h a c k e r |@| g m a i l |.| c o m. Tell him Keira Wells referred you.
For credit score repair
Hello, I’m Bob from Columbus Ohio. I Recently got married, My wife is originally from Canada but currently now in US she never had a credit history, she never even had a credit card. We could not put her name on our new car loan because she had no credit history and as loan manager explained to us that it can increase the interest rate on the loan. I added my wife’s name to my credit card so she can build her credit history (she could not get approved for Wal-Mart credit card by herself). few months after, my wife blames me for her low credit score because I do have lots of debt. Although it is true I do have mortgage, home equity loan, credit card debt, school loans, medical bills and now car payment, I needed a help fixing my credit profile so my wife’s score can be raised. I contacted a friend and he introduced me to his personal hacker CYBER MAYOR who helped him fix his DUI chexsystem. 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 line of credits thereby increasing my wife’s score to 787. We are happy with our new credit report. CYBER MAYOR has earned our respect and he is now our family hacker. Just text him on +1 205 418 0498 or email him on CYBERMAYOR@WRITEME.COM, you can trust him with your credit report.
A HACKER I TRUST
would like to highly recommend "global view" for assisting with credit hacks and repairs. My husband and I had let our debts get out of control a few years ago. We felt helpless and didn’t know where to start or how to get the help and counseling we needed. A friend had told us about global view and we got through to him through his email (globalview [.] hacker [@] gmail [.] com). He was not judgmental at all, as we were a little embarrassed about our situation. He was able to fix all our credit issues as much as they were. clearing all our debts, late payments, past evictions and boosting our credit scores to the exact scores we requested. You know what to do if you're having credit issues/problems.
Best
He is the best man I can refer you to. I am can guarantee you 100% that he’s the best in increasing of credit score and deleting of all the negatives collections on credits. He also help me pay off my mortgage of $300,000 and that’s what amaze me the most. I have known him for 6 moths now and I’ve referred him to 5 of my friends that can’t stop thanking me. I believe he’s needed by everybody, I can’t help myself than to publicize his good work. (Godeyeviewhacker (at) hotmail (dot) com or 443-338-3730).
I was sitting close to two women at a restaurant some time ago when I overheard them talking rather happily about their credit reports. I joined in with intention to seek advice regarding my troubling credit state, one of them opened up to me about her once bad credit report and how she met a hacker called HACKNET who helped her indeleting her collections replacing with positive items. And raised her credit score 750+. I was shocked and couldn’t digest it cos it sounded all strange to me. however she gave me his contact,( +1 214 666 4827 hacknet567@gmail.com ). I got in contact with the him days later, he responed quickly and we got talking. I explained my credit situation, late payments, liens and accrued debts. Long story short I was happy and blessed to have met the woman who referred me to hacknet. My credit score took a big leap, negative items gone and he added two tradelines for me. I was awed beyond words. This is my own happy story.
hacking
my name is RICHMOND DANIEL,i live in west CALIFORNIA. After graduating from college, I had a bad credit
Score. Had a collections, charge-offs and late payment preventing me from being qualified for mortgage,
credit cards or even a job. However, I got it fixed with the help of my childhood friend DAVIID who
introduced me to his personal hacker that deligently got his credit profile fixed. He gave me his contact
and asked me to call REPAIR WIZARD.I contacted him, he gave me his word and we started the process. After
2 weeks he increased my credit score from 450 to 789 I'm now a full-time real estate investor with 60 units.
I leverage my credit to obtain passive income via real estate. i am now happy sitting on my credit sound
and good credit profile. You can contact him if you need a similar result, via his email and contact;
REPAIRWIZARD@POST.COM; +1 520 441 6516, and you can thank me later, cheers.
Legit
Well if I could ask you some personal question, on a scale of 1-10 will you say your finical status is? If you’re offer a help that would make you free from all your debts, Would you accept? I will advice you to contact the Godeye because he’s the only real expert out there. He helped me fixed my credit score to 815 within 72 hours and also help me pay off my line of credit of $30K within a week. Get your credit score fixed so you can also have your life fixed up. . (Godeyeviewhacker (AT) hotmail (DOT) com or 443-338-3730).
CREDIT HACKER
Hi,incase you dont know what benefits a golden score of 800 above can do,it will qualify you for the lowest interest rates and you can get approved for what ever loan you apply for within a short period of time. I just need to recommend a good work done by 'CLEVERHACKER(dot)HACK(at)GMAIL(dot)COM'.Few months ago i was in financial trouble which led to the default of my cards and late payments of my bills.I saw a review online about this hacker and i contacted him,Our conversation was 'i should apply for higher credit limit and he's gonna fund it until i attain a golden score of 780+.At first i was sceptical but i gave him a benefit of doubt without thinking twice.we had an agreement of 72 hours,in less than 72 hours i saw changes on my report.Now i'm in the 800 club and i just got my new car with the auto loan that was granted to me. You can also text +1 4047958215
I come across a Credit Expert Named Rich Skrenta because I saw some post online about him, He help people increase credit score, fixed credit card and pay up their debt. I contact him for help my score was so low and i needed to increase it to 790 excellent,He collected some information from me which he need to proceed with, and to my Sub-price within 48 hours he put a good shape to my credit debt and also raised my credit score to 810. I can't stop talking about him, am proud to say am writing this from my new house... Thanks to God and Rich Hacker for his support and to people out who are in the same shoe on credit card or credit score issue i will advise to contact him has i do you we never regret it "richskrentacyberservice (@) gmail (dot) com"...
Credit Expert
I come across a Credit Expert Named Rich Skrenta because I saw some post online about him, He help people increase credit score, fixed credit card and pay up their debt. I contact him for help my score was so low and i needed to increase it to 790 excellent,He collected some information from me which he need to proceed with, and to my Sub-price within 48 hours he put a good shape to my credit debt and also raised my credit score to 810. I can't stop talking about him, am proud to say am writing this from my new house... Thanks to God and Rich Hacker for his support and to people out who are in the same shoe on credit card or credit score issue i will advise to contact him has i do you we never regret it "richskrentacyberservice (@) gmail (dot) com"...
Credit Expert
I come across a Credit Expert Named Rich Skrenta because I saw some post online about him, He help people increase credit score, fixed credit card and pay up their debt. I contact him for help my score was so low and i needed to increase it to 790 excellent,He collected some information from me which he need to proceed with, and to my Sub-price within 48 hours he put a good shape to my credit debt and also raised my credit score to 810. I can't stop talking about him, am proud to say am writing this from my new house... Thanks to God and Rich Hacker for his support and to people out who are in the same shoe on credit card or credit score issue i will advise to contact him has i do you we never regret it "richskrentacyberservice (@) gmail (dot) com"...
hacking
Hi my name is Brad David, 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 Trojan and I must admit I was impressed. I quickly emailed him on; TROJAN@WRITEME.COM and texted him as well on the number; +1 912 388 3132 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 Trojan for your credit repair. You can contact him and enjoy his service.
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