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?

Jimpuck134 (not verified)

BLackhatthacker@tuta.io has done it again for me and am happy i used his services. i was able to gain full access to my wife phone without my wife knowing about the hack this hacker is so good Thanks alot

Mon, 11/12/2018 - 01:05 Permalink
gantz robb (not verified)

I was in a really bad shape with my credit score of 568 early this year, I was unable to get a loan but universalhack9@gmail. com made everything possible for me, he brought me up to 781 this year and remove all the negative item on my report.i just got approved for a loan. Thank you UNIVERSAL HACK9. Great job. I’m recommending him for any hacking job

Mon, 11/12/2018 - 08:44 Permalink
Ava Wilson (not verified)

I contacted HACKUNITED9 for my credit repair service after I heard about his good reputation . To Cut the long story short, My score was very low because my ex-husband used my credit cards and didn't pay the bills nor did he pay the mortgage after I left him. I've been living in an apartment for a few years now and would like to buy a house, but I was afraid that it still isn't possible because of my credit. But thanks to HACKUNITED9 who help removed all negative marks and hard inquiries on my report Is . He has boost my score to qualify for a home. I presently sit on a 765 credit score. I can’t keep calm but to share this testimony so that some one out there might be assisted too. Contact him now on his direct mail ( HACKUNITED9 @ GMAIL . COM ) ....Thanks for your time .

Mon, 11/12/2018 - 15:29 Permalink
Sandra Widelo (not verified)

Do you have a bad credit report? He can help you increase your credit score in 3 days. He can remove stuffs from any credit bureau He can make late payments on Trans-union , Equifax and Experian and add good accounts. Email him at julianassangecyberservices@gmail.com

Tue, 11/13/2018 - 09:44 Permalink
Nicholas Benson (not verified)

Hello Everyone,In the middle of last month I was reading this article on Hacker News. This article was about a hacker raising their credit score from 555 – 800% and how their users were happy about it.I was just reading this as a news article and browsing through the comments on google when a simple comment from user in google caught my attention so i decide to get in touch with the hacker and he help me increase my credit score from 210 to 800 plus, he also delete all my negative report now i'm free to purchase the kind of house i want you can contact him through his email at julianassangecyberservices@gmail.com.....

Tue, 11/13/2018 - 09:49 Permalink
Doug Lawman (not verified)

There are a few recommended steps you can take to improve your credit score that puts 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 how Julian assisted him over his credit score and how he cleans up DUI report and Chexsystem. I wondered if he 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 then I had my low score of 430 and brought me up to 820 within 48 hours. After then My whole story changed, he removed the negatives on my report . I'm thankful to Julian & that’s why i’m here sharing the good news right here so you can also via him out at is mail box julianssangecyberservices@gmail.com

Tue, 11/13/2018 - 10:02 Permalink
Douglas (not verified)

There are a few recommended steps you can take to improve your credit score that puts 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 how Julian assisted him over his credit score and how he cleans up DUI report and Chexsystem. I wondered if he 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 then I had my low score of 420 and brought me up to 800 within 48 hours. After then My whole story changed, he removed the negatives on my report . I'm thankful to Julian and that’s why i’m here sharing the good news right here. you should mail at julianassangecyberservice@gmail.com

Tue, 11/13/2018 - 10:15 Permalink
robinklotz965 (not verified)

Since i got married to my husband i have not given him a child yet and its over 5 years now since we got married i was so bothered about my conditions but to my husband he was not happy and all the love he showed to me is no longer there. he stay out and come back very late i knew that he has a plan, so i hired jeajamhacker@gmail.com who was able to help me in hacking my husband phone and in 24 hours i had access to my husband phone, right on my phone and i saw that he has been banging my junior sister at my back and now she is pregnant but i just want to use this min to Thank this hacker he is very reliable and his services are cheap God bless you (jeajamhacker)

Tue, 11/13/2018 - 10:38 Permalink
Ericsson759 (not verified)

Trying to rent an apartment was challenging but my wife’s health was heartbreaking she was to go for an urgent surgery last month. I tried to secure a loan provided it would help pay for the surgery but it proved negative due to mybad credit report and my low score of 519 I thought I had lost my wife. I talked to my Boss about my situationand disclose to a few friends about my predicament which they gave a helping hand but was not enough. I later came across an old friend at the hospital Blake he came for an eye operation I explained to him my current situation he called out a friend of he’s a credit expert Proton and gave me he’s contact. I contacted the Proton Virus letting him know I was directed to him by Blake requesting an urgent help from him fixing my bad credit report and upgrading my score. Immediately he replied me I explained my situation to him and letting him know the state of my wife’s health he promised to help me with the job and told me to have faith that my wife is goanna be alright. He requested some info from me to start the process which I did provide and just in 48hours my credit was fixed and my score was raised to a high 850 I am still astonished I haven't seen such before in my life I got the loan my wife is okay and we have a new home thanks to everyone that came through for me and my wife God bless. You can contact Proton via Mail for credit issue at PROTONVIRUS123@GMAIL.COM or text him on the number +1 347 480 9812.

Tue, 11/13/2018 - 11:36 Permalink
Peter Talley (not verified)

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Tue, 11/13/2018 - 14:02 Permalink
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Tue, 11/13/2018 - 16:29 Permalink
Gray (not verified)

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Tue, 11/13/2018 - 16:50 Permalink
Cynthia57655 (not verified)

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Tue, 11/13/2018 - 19:10 Permalink
Cynthia6755 (not verified)

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Tue, 11/13/2018 - 20:09 Permalink
robertpetak121 (not verified)

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Wed, 11/14/2018 - 01:05 Permalink
robertpetak121 (not verified)

Be warned most of these so called hackers are imposters, I have been ripped off twice already and have been thinking how i could increase my FICO score and my boss introduce me to this most trusted hacker that work with discretion and delivery, he helped me to increase my credit score to 810 approximately. i will refer you to him to let his services speak for itself. you can contact him through his mail account. Raymondtrollingercyberservices At Gmail Dot Com/ Text [214-702-8762]

Wed, 11/14/2018 - 01:11 Permalink
Denises (not verified)

Hello everyone,if you need credit help contact Vladimir Levin, He cleared all negative information on my credit including car repossession, evictions and also raised my credit score from 420 to 850 within 24 hours, he's really a professioner at his field email him
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Wed, 11/14/2018 - 07:57 Permalink
Maria7585 (not verified)

Hi my name is Maria Littleton, 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 4 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

Wed, 11/14/2018 - 09:17 Permalink
Lyn (not verified)

Hi there this is kinda of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I'm starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be enormously appreciated! ______

Wed, 11/14/2018 - 11:21 Permalink
DEBRANORE (not verified)

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Wed, 11/14/2018 - 15:50 Permalink
Betty5789 (not verified)

Betty Coleman, a single mother couple of weeks ago, I noticed my insurance premium increased and my interest rate has restricted me from getting some benefits and securing a job of my choice. I searched online on credit sites and I read a number of recommendations about PROTON VIRUS fixing peoples credit in a relatively short time and it was amazing so I emailed him on; PROTONVIRUS123@TECHIE.COM then he replied swiftly asking to text him on he’s direct number; + 347 480 9812 and I did. I explained to him my worries of getting my credit fixed, he replied me and explained the process of getting my credit repaired and went ahead providing him the necessary information he requested to start and within 5 days my credit was fixed. Thereafter, I got a job with a relatively high annual payment. I strongly recommend PROTON VIRUS for any kind of credit issue. Good morning

Wed, 11/14/2018 - 18:51 Permalink
D Ch (not verified)

How long does it take to delete negative items? Don't you have to submit a request and investigate?

Wed, 11/14/2018 - 22:00 Permalink
Breonca Wilson (not verified)

Hello my name is Breonca Wilson. I contacted Hack West, a credit pundit on a beautiful morning after reading so many reviews online saying how they helped people fix their credit in less than no time. I said to West, if this is true, I’m definitely interested in working with you to boost my credit so I can purchase a home this year and he gave me a positive response. I initially had a SCORE of 504 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. In less than 2weeks, West completed my job and I currently have a score of 786, 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 home and a car and I’m free to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s there email; HACKWEST@WRITEME.COM, Write to them and they will put a smile on your face. You can also text (424) 307 2638. Cheers and thank me later.

Wed, 11/14/2018 - 23:03 Permalink
Breonca Wilson (not verified)

Hello my name is Breonca Wilson. I contacted Hack West, a credit pundit on a beautiful morning after reading so many reviews online saying how they helped people fix their credit in less than no time. I said to West, if this is true, I’m definitely interested in working with you to boost my credit so I can purchase a home this year and he gave me a positive response. I initially had a SCORE of 504 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. In less than 2weeks, West completed my job and I currently have a score of 786, 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 home and a car and I’m free to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s there email; HACKWEST@WRITEME.COM, Write to them and they will put a smile on your face. You can also text (424) 307 2638. Cheers and thank me later.

Wed, 11/14/2018 - 23:10 Permalink
Breonca Wilson (not verified)

Hello my name is Breonca Wilson. I contacted Hack West, a credit pundit on a beautiful morning after reading so many reviews online saying how they helped people fix their credit in less than no time. I said to West, if this is true, I’m definitely interested in working with you to boost my credit so I can purchase a home this year and he gave me a positive response. I initially had a SCORE of 504 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. In less than 2weeks, West completed my job and I currently have a score of 786, 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 home and a car and I’m free to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s there email; HACKWEST@WRITEME.COM, Write to them and they will put a smile on your face. You can also text (424) 307 2638. Cheers and thank me later.

Wed, 11/14/2018 - 23:10 Permalink
.rhett watkins (not verified)

I saw positive posting about a very good fixerer, I can assure you that Hack invade is the best and really good in boosting credit score and increasing credit card limit. He help me increase my credit score to 803. He also helped me erase all negative items on my credit report, He works fast and keeps to his word. Contact him today for a better change Email (hackinvade At Gmail Dot Com or reach is phone 206-946-9152 )

Wed, 11/14/2018 - 23:25 Permalink
Breonca Wilson (not verified)

Hello my name is Breonca Wilson. I contacted Hack West, a credit pundit on a beautiful morning after reading so many reviews online saying how they helped people fix their credit in less than no time. I said to West, if this is true, I’m definitely interested in working with you to boost my credit so I can purchase a home this year and he gave me a positive response. I initially had a SCORE of 504 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. In less than 2weeks, West completed my job and I currently have a score of 786, 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 home and a car and I’m free to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s there email; HACKWEST@WRITEME.COM, Write to them and they will put a smile on your face. You can also text (424) 307 2638. Cheers and thank me later.

Wed, 11/14/2018 - 23:46 Permalink
Peter Talley (not verified)

You guys haven’t heard much about CyberHackLord who really change my life. i got his info from my banker who recommend him to me about his credit repairing service after he heard about my car accident which i couldn’t be able to catch with my bill anymore. He raised my credit score to 811 and approve a chase auto loan worth $50k with a low cost rate. Contact info [CyberHackLord247 At Gmail Dot Com].

Thu, 11/15/2018 - 03:07 Permalink
Susie Montgomery (not verified)

Am the happiest woman on earth right now, God bless Aaron Swartz for helping me to pay off my two credit cards debts. He help me increase my credit score from 520 to 810 in all three bureaus and He help me erase all negative items on credit report within 72 hours. He also help me apply for Capital One credit card with the limit of $15,000, He is the best and affordable price. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

Thu, 11/15/2018 - 10:41 Permalink
Dennis Homatt (not verified)

Are you in a need of a legit hacker to help you boost your credit score to 825 golden score, Julian is the best hacker at this point. He help me raise my credit score to 825 golden score and He help me wipe all criminal records on my credit report within 72 hours. He help me pay off my home equity line of credit (HELOC) debts within few weeks, His service are fast,secure he is a man of integrity and sincerity. You can email him at julianassangecyberservices@gmail.com

Thu, 11/15/2018 - 13:20 Permalink
Pete Mogan (not verified)

I went through a divorce and i had 12 negatives items and hard inquiries, this caused my credit scores to drop drastically. I have been looking for help on how to fix my scores and clear my debts but the methods are too slow until recently that i met a credit repair hacker on a credit forum website and i contacted him to fix my credit and paid him a little fee to get started. Surprisingly after 2 days my FICO score went up to 825 and I just got approved for a loan by my bank after multiple rejections. He cleared my credit report and pay some debts, now i am debt free and back on my feet. You can get in touch with him at julianassangecyberservices@gmail.com

Thu, 11/15/2018 - 13:35 Permalink
Glen76767 (not verified)

Glen McCurry, I am from the United States few weeks back I was in a terrible situation that I urgently needed to fix my credit. I contacted various hacker I met online to get the job done but could not pull through. I disclosed my situation to a co-worker jack he recommended a hacker he used some time that delivered a job for him PROTONVIRUS123@TECHIE.COM I contacted the hacker and explained the situation on ground hitting the nail he gave me he’s personal contact to text him +1 347 480 9812 on which I did. So, after much discussion I was okay to move on with the process I presented the necessary info he requested to kick start. He got my credit fixed in 5 days it’s really amazing working with such a person with great professionalism I also made him my personal hacker you can hit him up on the address above.

Thu, 11/15/2018 - 21:44 Permalink
JorgeMcfadden (not verified)

My advice is, go the extra mile. After struggling on our own for over a year and spending a lot trying to clear up our credit with attorneys who offered empty promises and credit companies that charged us thousands of dollars only to find out they hindered us more than anything. We decided to think outside the box, did a little research and was able to find a hacker with the email anonymouscreditrepairer@gmail.com, that was the end. He's the smartest person i've ever met. He cleared everything the attorneys and credit companies could not including our derogatories and old student loans. All i can say is be smart.

Fri, 11/16/2018 - 01:34 Permalink
Angela Marie (not verified)

Albert Gonzalez really amazed me for boosting my credit score and removing the bad collections on my credit then everything changed for good. I got my first credit cards worth $18k credit limit and got approved for a car loan. He is incredible and fantastic about his credit service. You can make more enquires from him through AlbertGonzalezCreditRepair At Gmail Dot Com.

Fri, 11/16/2018 - 01:50 Permalink
Mark Brown (not verified)

I never believe Robert Morris could finally raised my credit score up because he only took him just 3 days to get everything been fixed up after bankruptcy removal. His credit repair services are so fast and did some tremendous credit work for my family by applying a student loan for my children in Atlanta. Contact him at RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

Fri, 11/16/2018 - 11:34 Permalink
lisa mann (not verified)

universal hack9 just prove to me that he is the best. My husband has a few things on his reports. They are loans we had when we were stationed overseas. He was medically discharged but the items went into collections because we were unable to pay them anymore. Is there any way to get these removed? He had perfect credit until this happened. We would like to buy a house and are back on our feet but his score is keeping us from obtaining his VA loan. What would you suggest? I contacted a friend about this and he referred UNIVERSALHACK9@GMAIL.COM me to, so I contacted him and he agreed to help us after paying him. To my surprise this guy cleared the debt on my husband’s report and raises the score to 779 just within weeks. Good news is we just moved to our new home. THANK YOU SO SO MUCH UNIVERSAL HACK9, I will always contact you for any hacking job I get.

Fri, 11/16/2018 - 12:26 Permalink
dave harrison (not verified)

I saw positive posting about a very good fixerer, I can assure you that Hack invade is the best and really good in boosting credit score and increasing credit card limit. He help me increase my credit score to 803. He also helped me erase all negative items on my credit report, He works fast and keeps to his word. Contact him today for a better change Email (hackinvade At Gmail Dot Com or reach is phone 206-946-9152 )

Fri, 11/16/2018 - 12:36 Permalink
dave harrison (not verified)

I saw positive posting about a very good fixerer, I can assure you that Hack invade is the best and really good in boosting credit score and increasing credit card limit. He help me increase my credit score to 803. He also helped me erase all negative items on my credit report, He works fast and keeps to his word. Contact him today for a better change Email (hackinvade At Gmail Dot Com or reach is phone 206-946-9152 )

Fri, 11/16/2018 - 12:47 Permalink
sharongilbert411 (not verified)

I needed assistance with a few items that were on my credit report that was hindering my prospects of obtaining more credit. I needed to know exactly what options I had to be able to resolve the issues I had so I can move forward with obtaining a new line of credit.They were able to pinpoint the very issues that were affecting me from other opportunities. They created an action plan and have since removed every item that was derogatory. I had several medical collection accounts on my report and we were able to get them removed with their help. The turnaround time for the results was quite quick since I was waiting to be able to purchase a home. I have referred them to more than one family member since! It've been very rare to see a service like that of Whitehatservices on credit repair. Mail whitehatservices@programmer.net if you'll wanna have a bliss with your credit report. I think they offer variety of other services too.

Fri, 11/16/2018 - 15:06 Permalink
Mylicia Millwood (not verified)

I had excellent credit on both Equifax and Transunion then in September 2018 my score dropped to good when I checked it I saw that it was only Transunion score that dropped by about 44 points. When I looked even closer I see Transunion has my bank credit card on my report as two separate cards with two separate balances which was cleared in May but wasn’t reported, this was so annoying and I could not even think of doing the same thing over again. One evening after the work I was goggling how to fix this by myself but there was no viable means to do it but I came across Derrick on different reliable websites and he was highly recommended then I contacted him via his trusted email (DERRICKREPAIR at TECHIE dot COM) and told him I need his help and he wrote me back. To cut the story short Derrick cleared the balances again, raised my credit score back to excellent and verified everything with the three main Bureaus. I’m happy I did this through Derrick without being stressed, write him now if you have any kind of credit issue and he will surely come through.

Fri, 11/16/2018 - 15:09 Permalink
Pamela young (not verified)

I was once having a low score and longer histories, Thank you for your advice Linda and i appreciate the right man you review to me called (Cyber Space) From a public forum. I remember when i checked a hacker on line to clear the reports on my credit cards and increase my score with an 100 point higher, it generated a return of unlikely to be unsuccessful. I cant just understand myself not until i was advice by Linda from a forum and my score in now 100 point higher. Get more when you email him. cyberspacehacker2@gmail.com.

Fri, 11/16/2018 - 19:42 Permalink
Jane8494 (not verified)

My name is Jane Terry. I’ve been scammed a few times already and I’m very apprehensive about paying for a service without at least some proof work is actually being done for me. I’ve had so many excuses about my credit report needing verification from a USA hacker because I’m in Canada. That is different for me. They needed to buy software because the Canadian credit bureaus had updated their security protocol. And then there was money I had to send by Western Union only to find out the receiver names were flagged and then leaving me being questioned for sending funds. They told me my capital one credit card could not be worked on or prepaid card I bought was actually used for some other means and that someone gained access to the prepaid card. I had then lost money again. It goes on and on. However, my story changed to a happy ever after when I contacted Proton (PROTONVIRUS123@TECHIE.COM), these were my exact statement to him; “reassure me I’m not been had then it’s a win-win for both of us! Prove the positive reviews about you that I’ve read are actually true. Trust is something gained and if you are on board with this, let’s proceeds ASAP”. He replied with a beautiful proposal which was just what I wanted. We immediately got started with the project of fixing my credit and within 4 days, Proton performed a miracle on my report and brought an everlasting smiles on my face again by removing all negative items on my report including inquiries, credit card debts, an eviction, medical bills and student loans thereby making me qualify for everything, God bless him. Contact him with the above info and he will make you smile too irrespective of your location.

Fri, 11/16/2018 - 23:05 Permalink
Scarlett (not verified)

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Sat, 11/17/2018 - 02:59 Permalink
Julian (not verified)

I never knew a hacker could help improve 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 relates to 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 in less than two days at a price that's worth it. i give all thanks to the ethical hacker for coming to my aid when i needed him the most. Reach the hacker at CREDITSPYGENIUS At Gmail Dot Com.

Sat, 11/17/2018 - 13:40 Permalink
justincyril (not verified)

Wow UNIVERSAL HACK9 is a hacking god. I was having very very poor credit. I am 55 years old and have had bad credit for decades now. And I do notice even my “write offs” still are on my credit report. How can I get the creditors to drop my old charges that I would never be able to pay? How can I get the negatives and judgments off my credit report so that I can up my score and not have the stress in these later years of my life? I just have very poor credit and lots of judgments and negatives and would like to make them disappear but how do I even start to do this? These were the questions I was just asking myself. Then I saw a post here about universal hack9 so I contacted him and he agreed to help me out and just about 4weeks everything was done my score was raised from 559 to 786 and all my negative item on my report was removed GOD! I am now a happy old man now. Reach him on UNIVERSALHACK9@GMAIL.COM

Sat, 11/17/2018 - 22:56 Permalink
Meka McDonald (not verified)

Hi all, I always wondered how I could boost my credit score after constantly getting ripped off by lenders, banks and credit card companies due to my poor credit history. So I got referred to by a friend about this amazing company (Hack West Credit Repair) who helped remove negative items on my report and increased my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. West changed my life and I can now boast of having a home and a new business all thanks to Hackwest@writeme.com. West can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you… You can also hit him up on (424) 307 2638.

Sun, 11/18/2018 - 13:49 Permalink