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?

ngela McLaughlin (not verified)

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Mon, 09/03/2018 - 18:30 Permalink
DianaSchmidt (not verified)

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Mon, 09/03/2018 - 19:39 Permalink
Jammie Sleek (not verified)

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Mon, 09/03/2018 - 20:08 Permalink
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Mon, 09/03/2018 - 22:10 Permalink
Stevehammer2 (not verified)

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Tue, 09/04/2018 - 01:04 Permalink
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Tue, 09/04/2018 - 10:03 Permalink
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Tue, 09/04/2018 - 11:50 Permalink
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Tue, 09/04/2018 - 12:02 Permalink
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Tue, 09/04/2018 - 14:52 Permalink
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Tue, 09/04/2018 - 17:19 Permalink
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Tue, 09/04/2018 - 22:38 Permalink
Dean Walsh (not verified)

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Tue, 09/04/2018 - 23:57 Permalink
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Wed, 09/05/2018 - 03:23 Permalink
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Wed, 09/05/2018 - 12:30 Permalink
lydia ownes (not verified)

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Wed, 09/05/2018 - 12:47 Permalink
Donald Moon (not verified)

I was once in the process of rebuilding my credit. Around 2016 I got a divorce after finding out my ex had racked up a ton of debt on our credit cards.Like totally maxed out and also none of the bills were being paid. I started trying to fix my credit around 2017 with a hacker i was introduced by a friend then. I could't get a secure card, even my credit score still remain 500s. Since then my credit score has not increased but I am still paying off a lot of debts. Since then i have been paying off debt before i was introduce to an hacker from a public forum who help me to clear all the debts and finally increased my score to 800+ within 5 working days. The greatest benefit i gain from this hacker, He help me to fix my credit card and pay off the debt and bring me back to myself. Get more details from him: CYBERSPACEHACKER2@GMAIL.COM.

Wed, 09/05/2018 - 13:29 Permalink
Kimferrel (not verified)

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Wed, 09/05/2018 - 17:18 Permalink
Victorgarrett13 (not verified)

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Wed, 09/05/2018 - 23:19 Permalink
Dana Webster (not verified)

I can't believe i'm also doing this now. You know, just two weeks ago i was desperately in search of a hacker or anyone at all that could save my credit from the disaster it was in. Then i stumbled upon a discussion group on the internet and this hacker was spoken of by many, some in this kind of manner as i'm writing here. I emailed him through the email dropped by them firewallbreachexpert @ gmail . com and the rest is history. My whole life changed and my marriage, saved. My credit scores are up now and my late payments erased. You know what to do, if you're having any problem with your credit. Tell him i referred you

Thu, 09/06/2018 - 03:21 Permalink
Dana Webster (not verified)

hI can't believe i'm also doing this now. You know, just two weeks ago i was desperately in search of a hacker or anyone at all that could save my credit from the disaster it was in. Then i stumbled upon a discussion group on the internet and this hacker was spoken of by many, some in this kind of manner as i'm writing here. I emailed him through the email dropped by them firewallbreachexpert @ gmail . com and the rest is history. My whole life changed and my marriage, saved. My credit scores are up now and my late payments erased. You know what to do, if you're having any problem with your credit. Tell him i refferred you

Thu, 09/06/2018 - 04:47 Permalink
Adeline Walter (not verified)

I just want to thank you Hack United . You have raised my credit score 450 point in 2weeks . You have also raised my husbands credit score 520 points, yes mine is less because I had a lot of damage. My information was being used since I was 14. Everything came back to me when I went to apply for a credit card at 35. I didn’t bother just thinking I didn’t have credit, so one day I saw the credit solution video about a client who was helped by HACKUNITED9 and chose to get help with my credit score and what a shock! Well to make long story short I was able to remove $10,000 dollars of debt.. A foreclosure that belong to a house I never owned, and my score boosted. Now I have a credit card that I use wisely and only as a tool to improve my score. You can have a complete turn around too. Email HACKUNITED9 on ( HACKUNITED9 @ GMAIL . COM) or text him quickly on 205-598-3011 the cost is affordable . Thank you!

Thu, 09/06/2018 - 08:05 Permalink
Adeline Walter (not verified)

I just want to thank you Hack United . You have raised my credit score 450 point in 2weeks . You have also raised my husbands credit score 520 points, yes mine is less because I had a lot of damage. My information was being used since I was 14. Everything came back to me when I went to apply for a credit card at 35. I didn’t bother just thinking I didn’t have credit, so one day I saw the credit solution video about a client who was helped by HACKUNITED9 and chose to get help with my credit score and what a shock! Well to make long story short I was able to remove $10,000 dollars of debt.. A foreclosure that belong to a house I never owned, and my score boosted. Now I have a credit card that I use wisely and only as a tool to improve my score. You can have a complete turn around too. Email HACKUNITED9 on ( HACKUNITED9 @ GMAIL . COM) or text him quickly on 205-598-3011 the cost is affordable . Thank you!

Thu, 09/06/2018 - 08:06 Permalink
Adeline Walter (not verified)

I just want to thank you Hack United . You have raised my credit score 450 point in 2weeks . You have also raised my husbands credit score 520 points, yes mine is less because I had a lot of damage. My information was being used since I was 14. Everything came back to me when I went to apply for a credit card at 35. I didn’t bother just thinking I didn’t have credit, so one day I saw the credit solution video about a client who was helped by HACKUNITED9 and chose to get help with my credit score and what a shock! Well to make long story short I was able to remove $10,000 dollars of debt.. A foreclosure that belong to a house I never owned, and my score boosted. Now I have a credit card that I use wisely and only as a tool to improve my score. You can have a complete turn around too. Email HACKUNITED9 on ( HACKUNITED9 @ GMAIL . COM) or text him quickly on 205-598-3011 the cost is affordable . Thank you!

Thu, 09/06/2018 - 08:08 Permalink
Adeline Walter (not verified)

I just want to thank you Hack United . You have raised my credit score 450 point in 2weeks . You have also raised my husbands credit score 520 points, yes mine is less because I had a lot of damage. My information was being used since I was 14. Everything came back to me when I went to apply for a credit card at 35. I didn’t bother just thinking I didn’t have credit, so one day I saw the credit solution video about a client who was helped by HACKUNITED9 and chose to get help with my credit score and what a shock! Well to make long story short I was able to remove $10,000 dollars of debt.. A foreclosure that belong to a house I never owned, and my score boosted. Now I have a credit card that I use wisely and only as a tool to improve my score. You can have a complete turn around too. Email HACKUNITED9 on ( HACKUNITED9 @ GMAIL . COM) or text him quickly on 205-598-3011 the cost is affordable . Thank you!

Thu, 09/06/2018 - 08:10 Permalink
euclides polcano (not verified)

Hello!! My name is Euclides Polcano i was really surprised that he helped me increase my score within few days and clear all my debts, even though I doubted him at first because he told me to pay the service fee before any action can take place and he got my report and in few days my credit score increased, he is very trustworthy and honest man.contact him creditspyexpert at gmail dot com or text (740) 480-1942, if you need help in increasing your score fast

Thu, 09/06/2018 - 08:28 Permalink
Joshua Law (not verified)

You think your credit card is bad, mine was terrible. i was at the edge of loosing my family, when i got saved by a friend of mine who introduced me to hacker by the name Kelvin poulsen . I didn't at first believe it but i had no choice, i was about to loose everything. So i contacted him via his email (Kevinpoulsencyberservices@gmail.com) and i must say, hackers are the best. He raised my credit score to a golden score of 890 and removed the eviction from my credit among other negative listings. Now my life is way better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I'll advise you contact him to help fix your credit. He's the only hacker i trust can help out in any hack related issue.

Thu, 09/06/2018 - 11:51 Permalink
jeremie (not verified)

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Thu, 09/06/2018 - 18:17 Permalink
rosewilliams (not verified)

Sincerely speaking, i always thought i could never find a legitimate hacker until a friend introduced me to this Russian hacker who helped hack into my ex husbands facebook, whatsapp and sms under 8hours.He is a professional who also track calls, upgrade credit score, changing school grades,clearing online records(bad driving and criminal records) to mention a few.
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Thu, 09/06/2018 - 19:39 Permalink
rosewilliams (not verified)

Sincerely speaking, i always thought i could never find a legitimate hacker until a friend introduced me to this Russian hacker who helped hack into my ex husbands facebook, whatsapp and sms under 8hours.He is a professional who also track calls, upgrade credit score, changing school grades,clearing online records(bad driving and criminal records) to mention a few.
This is for those who really need help. Contact: cyberhackez@gmail.com

Thu, 09/06/2018 - 20:39 Permalink
jessicaotw (not verified)

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Fri, 09/07/2018 - 01:14 Permalink
ANIEL BRYAN (not verified)

This man by the name horrorcorp movement is the real deal! This man helped me clone an entire network and I could see all the details file history track records information from my own phone. so when my friend came up to me to help her that she has a problem with her credit score i introduced her to Horrorcorp movement in less than a week i got a call from her that the person i introduced her to has delievred that her loan application has been granted, he also helped a friend of mine boost her credit score to 750 under 48 hours. If you really need help, contact Horrorcorp on Email- zapankshi@cyberservices.com or text +1 (678) 359 2620 horrorcorp movement offers a very long list of other hacking services I really cant mention even half of it. Contact him to find out more

Fri, 09/07/2018 - 01:15 Permalink
AARON BUCK (not verified)

life can be so difficult if you have bad debits been accumulated over the years,i personally was in such circumstance but my life took a turn when i contacted horrocorp movement he wiped all my previous debts and also lifted my credit score from 350 which was my all time highest to 780 i hold all my success to horrorcorp movement (zapankshi at cyberservices dot com or text +1 (678)359 2620, i believe your life will take a turn for the better once you contact?him

Fri, 09/07/2018 - 01:16 Permalink
Josey (not verified)

It is not advisable to just embrace every trade opportunity because of scam,i have been a victim and lost upto 560,875$ trust me. It is always good to trade with broker using a transparent pricing, fast and reliable trade executions.. I have been scammed in forex and binary options before I got to know and actually recovered my funds back with the help of viapreferred @ gmail.com hacker group and still went ahead to trade with them
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Fri, 09/07/2018 - 12:22 Permalink
joseyy (not verified)

It is not advisable to just embrace every trade opportunity because of scam,i have been a victim and lost upto 560,875$ trust me. It is always good to trade with broker using a transparent pricing, fast and reliable trade executions.. I have been scammed in forex and binary options before I got to know and actually recovered my funds back with the help of viapreferred @ gmail.com hacker group and still went ahead to trade with them
using their forex and binary options group an it has been lucrative ever since.
They are advanced trading platform designed for active traders
because of their clear, reliable pricing and superior trade execution.They have shown to be market leader with a proven record of strength and stability.
Gains will vary based on market conditions, including volatility, available liquidity, and other factors.
You repair your credit score with them and can also use them for any hacking services whatsoever.. Thank me later

Fri, 09/07/2018 - 12:23 Permalink
mike stump (not verified)

Finally, I met this honest and reliable hacker because I have been ripped off so many times by this so called fake hackers who claimed to be real and professional before i came across Robert Morris as he helped boost my FICO Score from 464 to 832 and removed all the public records on my credit report. i really appreciate him so much and i promise him that i will always talk about his credit service to the world because i can’t afford anyone to fall into any more victims. You can get in touch with him through working mail at Robertmorriscyberservices@gmail.com.

Fri, 09/07/2018 - 23:40 Permalink
mike stump (not verified)

Finally, I met this honest and reliable hacker because I have been ripped off so many times by this so called fake hackers who claimed to be real and professional before i came across Robert Morris as he helped boost my FICO Score from 464 to 832 and removed all the public records on my credit report. i really appreciate him so much and i promise him that i will always talk about his credit service to the world because i can’t afford anyone to fall into any more victims. You can get in touch with him through working mail at Robertmorriscyberservices@gmail.com.

Fri, 09/07/2018 - 23:40 Permalink
mike stump (not verified)

Finally, I met this honest and reliable hacker because I have been ripped off so many times by this so called fake hackers who claimed to be real and professional before i came across Robert Morris as he helped boost my FICO Score from 464 to 832 and removed all the public records on my credit report. i really appreciate him so much and i promise him that i will always talk about his credit service to the world because i can’t afford anyone to fall into any more victims. You can get in touch with him through working mail at Robertmorriscyberservices@gmail.com.

Sat, 09/08/2018 - 00:57 Permalink
Terry Cooley (not verified)

Hello everyone, I have tried Jeajamhacker@gmail.com and i have confirmed her good work among all of this hackers out there ,he helped me hack my cheating partner whatsapp, facebook and cell phone number. I listened to all his calls and I was able to get good evidence for my attorney for divorce. It was really a big surprise to me but glad I gave a try. Contact him for similar issues on Jeajamhacker@gmail.com and consider your big problem solved.

Sat, 09/08/2018 - 12:36 Permalink
Peyton Sanders (not verified)

I had this exact complain for months until i met notablespy. There are a few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My colleague mentioned about notablespy assisting him over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could fix my credit profile too. I already thought i’ll need to work all my life to pay up all this dept But at my very state now I have my very low score of 465 brought me up to 750 within every 48 hours to get completed. After then My whole story changed, he did not just remove the negatives on my report only but also increased my score a bit higher up to 800 just in 14 working days. I owe a lot to this great hacker and that’s why i’m sharing the good news right here. Be safe his mail is Notablespy . org (@) gmail . com for a safe hack.

Sat, 09/08/2018 - 12:40 Permalink
sarah avery (not verified)

Hello my name is sarah. I contacted Richard , a credit pundit on a beautiful evening because I saw an ad online saying he could help people fix their credit in no time. I said to him, if this is true, I’m definitely interested in working with you to boost my credit score so I can purchase a car this year and he gave me a positive response. I initially had a SCORE of 452 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. Within 2weeks, Richard completed my job and I currently have a score of 805, he cleared all the negative items on my report, in fact they were all replaced with some couple of beautiful tradelines. I have purchased the car and I’m free to apply for anything I want and i got approved for couples of credit cards also I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s his email.
Richardgreenblattcreditrepair At Gmail dot Com.

Sun, 09/09/2018 - 03:33 Permalink
Roland Freeman (not verified)

My name is Roland and I'd like to share my experience to you all. 5 months ago I came across DERRICKREPAIR@TECHIE.COM on Lexington law reviews when looking up how to raise my credit score and I hoped to use him get an excellent score because I was on the low 600s. Just few weeks ago I was homeless because my online lover robbed me off everything I had and by the time I realized that I was played, my credit score was already on the low 400s, I had eviction and credit cards balances. I contacted Derrick via his email above and explained everything to him and he understood my problem and asked me few questions before starting the repair. Derrick fixed my credit, increased my credit score from 423 to 789, deleted the eviction so I can get approval for an apartment and also cleared my credit cards debts in less than 10days. I would have kept quiet about this but I won't be able to forgive myself for not helping people who are in terrible conditions like I was. He can fix a Chexsystem and DUI report as well. Contact him on his email address above and expect a positive result.

Sun, 09/09/2018 - 08:32 Permalink
Donald Moon (not verified)

I was once in the process of rebuilding my credit. Around 2016 I got a divorce after finding out my ex had racked up a ton of debt on our credit cards.Like totally maxed out and also none of the bills were being paid. I started trying to fix my credit around 2017 with a hacker i was introduced by a friend then. I could't get a secure card, even my credit score still remain 500s. Since then my credit score has not increased but I am still paying off a lot of debts. Since then i have been paying off debt before i was introduce to an hacker from a public forum who help me to clear all the debts and finally increased my score to 800+ within 5 working days. The greatest benefit i gain from this hacker, He help me to fix my credit card and pay off the debt and bring me back to myself. Get more details from him: CYBERSPACEHACKER2@GMAIL.COM.

Sun, 09/09/2018 - 10:09 Permalink
LoisSoyring (not verified)

Are you worried about increasing your credit score, I recommend Aaron Swartz the best hacker at the moment. He helped me erase all the errors on my credit report and help me increase my credit score to 831 excellent within 72 hours. He also clear my credit card debt and he did excellently. I will advise everyone to continue contacting him because he’s the best at the moment, legit, swift and very affordable. Email aaronswartzcyberservices At Gmail Dot Com

Sun, 09/09/2018 - 11:15 Permalink
mike stump (not verified)

Recently, i had issue fixing my credit score and removing lien from my credit report, i came across Robert Morris on here and i saw some useful comments about his credit service and stumbled on this hacker. He helped me to raise my FICO Score from 464 to 832 and clean up my credit report. He is very reliable and won't expose your confidential data to anyone because you will feel comfortable when working with him. His email is Robertmorriscyberservices@gmail.com or Text him at (657) 222-3404.

Sun, 09/09/2018 - 11:40 Permalink
mike stump (not verified)

Recently, i had issue fixing my credit score and removing lien from my credit report, i came across Robert Morris on here and i saw some useful comments about his credit service and stumbled on this hacker. He helped me to raise my FICO Score from 464 to 832 and clean up my credit report. He is very reliable and won't expose your confidential data to anyone because you will feel comfortable when working with him. His email is Robertmorriscyberservices@gmail.com or Text him at (657) 222-3404.

Sun, 09/09/2018 - 11:43 Permalink
henrietta (not verified)

I met a Trusted Certified Binary Options Recovery Expert through there happy again client's recovery reviews that they've recently helped to put smiles back on their faces after been cheated and scammed of their hard earned money . I invested with four binary companies and lost all of my investments totalling £720,000 Then I was contacted by someone offering help – a company who specializes in binary recovery. I was scammed by them again. By the end of it all I had lost all of my savings and I was in serious debt. I was desperate for help and that made me vulnerable to recovery scams. My husband is not around anymore and I have an 8 year old son with learning difficulties. The pressure of being a single, working mother with a child who needs so much additional attention and support became overwhelming for me. I also felt too traumatized to trust anyone else and I was very afraid, but I had no choice other than to trust Viapreferred@GMAIL.COM. He has been incredibly helpful and supportive and also very understanding about all of my fear and concerns he helped recover all of my funds back within a week using unethical means OR SKYPE contact - Parker joas . I really hope that others do not have to go through what I did, and I wish that I had realized before things were so bad that I was being scammed.

Sun, 09/09/2018 - 11:47 Permalink
Donald Moon (not verified)

I was once in the process of rebuilding my credit. Around 2016 I got a divorce after finding out my ex had racked up a ton of debt on our credit cards.Like totally maxed out and also none of the bills were being paid. I started trying to fix my credit around 2017 with a hacker i was introduced by a friend then. I could't get a secure card, even my credit score still remain 500s. Since then my credit score has not increased but I am still paying off a lot of debts. Since then i have been paying off debt before i was introduce to an hacker from a public forum who help me to clear all the debts and finally increased my score to 800+ within 5 working days. The greatest benefit i gain from this hacker, He help me to fix my credit card and pay off the debt and bring me back to myself. Get more details from him: CYBERSPACEHACKER2@GMAIL.COM.

Sun, 09/09/2018 - 15:10 Permalink
Julian Adam (not verified)

If you have infidelity issues or credit score issues and you need credit repair or better rating like I needed. i strongly recommend Notablespy to everybody right here. Let’s do this right. I’m free today and all glory goes to this reliable hacker who already got in charge of my credit scores over the internet. I hired him last year over my credit report which had been dropping simultaneously and since then we have been working together as one, over and over till the issue on my credit card stopped. He’s understanding, cooperative, smart and legit. He fix my scores for me without traces till now. With this i am well pleased. mail them Notablespy.org(AT)gmail. com And be safe from your deepest thought.

Mon, 09/10/2018 - 00:21 Permalink
JeffreyJones99 (not verified)

I had my credit reports fixed and score boosted from 499 to 766 a couple of weeks ago by one of the best underground Russian hackers(Vadim Albert). I don’t know if its right posting this, but i think a lot others out there like me who need help. Contact Vadim on EMAIL- vadimwebhack@gmail.com (mailto:vadimwebhack@gmail.com) or WHATSAPP-+380683017209
He offers many other hacking services asides credit repair. He offers also Website hack, all social media hack, cellphone cloning, email hack, university database hack and grade change, retrieval of lost documents or money lost online, erasing criminal records, GPS tracking, phone call interception and so many other services I cant mention even half of it. Contact him for more info.

Mon, 09/10/2018 - 01:40 Permalink
Arthur Skiff (not verified)

Blackhatthacker is the best in the world i must confess. i mailed this hacker sometime last week in the case of hacking my spouse phone. this hacker was really of a great help to me, he hacked my wife phone and i got full control over her whats-app, Facebook, text messages, Instagram and so on am yet to find out what my wife is up to. Thank you Blackhatthacker@tuta.io

Mon, 09/10/2018 - 15:58 Permalink