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?
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Like an idiot I misheard and applied for a kohl's credit card, when I thought it was a membership card sort of deal.
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Avoid late payments of your bills, loans and mortgage as this can offset your score. Lower your credit utilization as this betters your score significantly. Increase your credit card limit which can be easily set up by yourself online. Also, If you know someone who’s got great credit( a parent, sibling or spouse), asking them to add you on to one of their credit cards as an authorized user is a speedy shortcut to a better score. However these processes i shortlisted might take a while to yield dividends. When my credit was in a mess, I employed the services of a repair team spearheaded by SCEPTER007 who succeeded in erasing the negatives on my credit report permanently and also boosting my score to my desired figure. Right now i can comfortably acquire loans and mortgages without delay. Contact him now via mail: SCEPTER007@WORKMAIL.COM; or Phone Number: +1 616-421-4405, do not wallow in misery no more.
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Way out
Credit repair is a systematic process, you stepping up with responsibility. You've got full control over your credit score, no matter if it’s in the low 400’s or high 700’s. The cost of poor credit is terrible to man kind You will pay higher interest, require larger down payments, and ultimately life will cost you more than someone who has excellent credit. The game of credit scores never ends. You might have an 700 credit score one week and a 530 the next. I got to know all this tips with the help of a family hacker (Notablespy) my uncle introduce to me earlier this year he has been my savior ever since. He removed every form of negative items on my report rental, student loans eviction as well as other wrong judgments on reports and replaces them with good trade-lines to keep me moving forward. I am linking this out because i believe i'm helping out here. Contact a great hacker for your credit jobs he efficiently, strong and intelligent. He detect errors and correct them immediately on credit profiles he did a clean job for me and i'm very happy about that. I guess he can hack the devil himself, LoL. Contact him today and you will be glad you did. Mail him directly NOTABLESPY.ORG@GMAIL.COM. With him you'll feel relief then ever before.
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CREDIT SCORE REPAIR
So a little background, I have been a complete idiot about my credit. I know my score before was 100% my fault, just trying fix past me’s mistakes. My credit score was at 592. After I paid all of my credit card debt off, it raised me to about 624. My debt is as follows: $13,000 car loan $10,000 student loans I have 3 credit cards at a $0 balance I had 12 inquiries on my report My payment history was sitting at 86% (a few late payments on my student loans in 2015, 8 total between my three loans with fed servicing) I struggled for years with the so called repair companies to help raise this over time but it all got worse. Then I read a reference on credit repair to contact *HACKUNITED9 @ GMAIL . COM,* which I did without hesitation and provided him my account numbers and credit card. He started repairs with no upfront and this was amazing. In 3 weeks I had a complete turnaround my account was funded with $25k which was used to clear up my outstanding debts and all late payments appeared as on time . My score increased to 795 after verifying it across all 3 credit bureaus making the changes permanent. Now I qualify for everything I desire. Contact him today for a complete turn around.
HACKING SERVICES
i got help from this kind man ( zacharyjohnson101@cyberservices.com )when i needed to hack my ex, he was very straight foward and provided me good service. i advice you work with him
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