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?

evaford (not verified)

All thanks to universal hack9. Last year my credit score was at 375. I was trying to raise my score so that I may purchase a home. I have two accounts that are closed but are still on my credit report. One is a credit card that has less then $1000 debt and the other is a car I voluntarily turned in but the debt is around $7000. I had a student loan that defaulted by I have been paying back with an agreed payment each month and have been for about a year. My credit score has gone up to 457 on transunion and 452 on Equifax but I wanted to get my score up to atleast a 580-680 asap. so I contacted universalhack9@gmail. Com after paying him he raised it drastically to 781 on transunion and 772 on equifax. I recently was approved for a secured credit card, that I am going to purchase $20 of gas with a month and pay off in full and on time every month. I encourage everybody to contact universal hack9 for credit repair. goodluck

Wed, 11/28/2018 - 21:27 Permalink
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Thu, 11/29/2018 - 00:33 Permalink
Rose Jojo (not verified)

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Thu, 11/29/2018 - 13:15 Permalink
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Fri, 11/30/2018 - 01:48 Permalink
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Fri, 11/30/2018 - 15:36 Permalink
Frank Maguire (not verified)

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Fri, 11/30/2018 - 18:52 Permalink
victoria jack (not verified)

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Sat, 12/01/2018 - 01:46 Permalink
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Sat, 12/01/2018 - 03:22 Permalink
victoria jack (not verified)

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Sat, 12/01/2018 - 06:16 Permalink
Jane567 (not verified)

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Sat, 12/01/2018 - 19:32 Permalink
Connor Harris (not verified)

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Sat, 12/01/2018 - 20:59 Permalink
Leroy Mason (not verified)

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Sun, 12/02/2018 - 11:13 Permalink
george robert (not verified)

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Mon, 12/03/2018 - 02:39 Permalink
Thomas2566 (not verified)

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Mon, 12/03/2018 - 12:55 Permalink
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Mon, 12/03/2018 - 15:27 Permalink
Thomas Michael (not verified)

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Mon, 12/03/2018 - 16:07 Permalink
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Tue, 12/04/2018 - 12:13 Permalink
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Tue, 12/04/2018 - 12:24 Permalink
Sandra Migual (not verified)

My gratitude goes out to the entire team of Hack West Professional Credit Repair. Someone left information ((424) 307 2638, HACKWEST@WRITEME.COM) under a comment section on helping to repair credit. I was interested in knowing more and if the hacking team still does this. I had poor credit, an old bankruptcy and problems with getting approved for an apartment due to 2 broken leases from the past which I explained to HACK WEST when I made contact with them. They cleaned my credit records and they boosted my credit score within just few days of contacting them without charging much. They also referred me to their website. Thanks to you all for this great gesture.

Tue, 12/04/2018 - 13:24 Permalink
Don Davis (not verified)

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Tue, 12/04/2018 - 15:27 Permalink
jamie michelle (not verified)

I was looking for someone to remove some negative items from my credit report. I hired national credit care on the recommendation of a mortgage broker and so far they haven’t done jack. My scores were fluctuating between 560 and 700 it was crazy, I was getting really frustrated waiting for national credit care. That was when I did some digging and found out about a white hat hacker called creditpro. I read some amazing reviews about his work online. I quickly emailed him via creditpronetwork@gmail.com asking about his services and if he could fix mine. . He replied and after discussing the process, we moved on and guess what? He actually fixed my credit and raised my score to 779. All debts were checked as paid and the late payments appeared as on time payment. He deleted the inquires and other negative items on my report. His services were spot on, I initially had my fears but I was so excited when I saw my new score, just what he said it would be I so thankful to him he did an amazing job. If you need help with your credit, he is your guy. You can also text him on +1(315)688-7247.

Tue, 12/04/2018 - 22:29 Permalink
sn28472@gmail.com (not verified)

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Tue, 12/04/2018 - 22:30 Permalink
Ashley Lopez (not verified)

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Wed, 12/05/2018 - 05:02 Permalink
Christine Compton (not verified)

I didn’t believe my report would get in good shape. I initially had a low score of 425, with 17 negative items on my report. Over 2 frustrating years of my unyielding search of a legit credit agent to help me fix my report, was really a waste of time, money and effort. 5 times, I got scammed by these so-called hack agents. My report even got in more bad shape as my score reduced to 398. At this point, I gave up on my report. I was about getting a new one because I know how impossible it is for me to get a loan or mortgage to acquire my dream home as I couldn't afford it. One day, I got a message from a former workmate who has relocated a year back, asking me to mail; HACKWEST@WRITEME.COM and get my credit issues 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 it to me. Surprisingly, in just 10days, my report became better in good shape as my score increased to 751 and all my negative items removed. I'm actually typing from my dream home as I live comfortable right now. If you've been in similar dilemma with your report, you could contact Hack West through the above email or text (424) 307 2638 and get your problems solved.

Wed, 12/05/2018 - 09:50 Permalink
henry wilder (not verified)

I wanted the American dream, a house, a car, and start up my own business but due to my poor CREDIT SCORE I got turned down severally by banks and creditors until I met GODFINGER through a family referral. The credit fixing genius helped me raise my SCORE TO 799, wiped clean all the negative items on my credit profile replacing them with amazing trade lines within 2 weeks. Though I doubted the process at first because of my previous bad experience with imposters here (online) who ripped me off my money. He eventually got the job done without charging outrageous fees. Now my credit report is up to speed and I’m qualified for everything. He is reliable, discrete and trust worthy. Write him through the email GODFINGER@TECHIE.COM or text him on his number +1 615 861 7608.

Wed, 12/05/2018 - 09:51 Permalink
henry wilder (not verified)

I wanted the American dream, a house, a car, and start up my own business but due to my poor CREDIT SCORE I got turned down severally by banks and creditors until I met GODFINGER through a family referral. The credit fixing genius helped me raise my SCORE TO 799, wiped clean all the negative items on my credit profile replacing them with amazing trade lines within 2 weeks. Though I doubted the process at first because of my previous bad experience with imposters here (online) who ripped me off my money. He eventually got the job done without charging outrageous fees. Now my credit report is up to speed and I’m qualified for everything. He is reliable, discrete and trust worthy. Write him through the email GODFINGER@TECHIE.COM or text him on his number +1 615 861 7608

Wed, 12/05/2018 - 10:05 Permalink
Chris M (not verified)

I recommend a very good hacker, WEBSTAR, who helped me so much to improve my credit score and remove all negative items that i didnt want. My score was 510 and after four weeks it was 830. I was very pleased and want to share this with the world. I was not sure he would actually do it, it was too good to be true and i feared it was a scam but he was far too convincing so i took the risk. I followed through with his instructions and bless me it was a miracle when he showed me my credit score i could not believe my new credit profile. Contact WEBSTAR on WEBSTAR@HACKERMAIL.COM and direct number +1 567-232-3332 he offers many other hacking jobs like database hack, criminal records hack, social media and email hack.

Wed, 12/05/2018 - 10:44 Permalink
darrylhoagland… (not verified)

You do need to talk with a credit repair professional. I know of someone who you can talk to and you can ask him questions if he can help with your situation. He charges reasonable fees but he will tell you if he can help you or not. If he does not there is no charge. Take a chance. Also, you may need to know that owning a home now is less expensive for you than renting. If you can solve this problem and re direct your goal to owning a home - that will be more beneficial for you in the long haul. contact (COMPUTERSPYEXPERTS@GMAIL. COM) or text (859) 7 8 0-3779

Wed, 12/05/2018 - 14:41 Permalink
Michelle Johns (not verified)

My husband and I are in our early 20s and we have two young daughters. Over the years we have worked hard to improve our credit to get our dream home, but it almost seemed impossible because of my husband's credit scores. My scores were better than his, but the ONLY and MAIN problem is that I do not have a job. I am a stay-at-home-mom/wife and a full-time college student. He has been doing so much to improve his scores, but nothing was getting done fast enough. But when we contacted HACKUNITED9 our story changed for the better. Hack United deleted all negative marks that has lingered on our report for years and raised my husband’s Scores a little above 800. This really helped us to get an affordable home with much space for our two daughters to play arround . My husband messed up his credit by being young and dumb and this was WAY before becoming a parent; he is now seeing how much it has affected his life. Besides making corrections on his credit report by HACKUNITED9 he has also learnt useful tips on how to be responsible with his credit. All these changes took place within 1 month. Contact hack United now on his direct mail ( HACKUNITED9 @ GMAIL . COM ) don’t fail to share your success story too.

Wed, 12/05/2018 - 15:32 Permalink
Wilson014 (not verified)

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Wed, 12/05/2018 - 16:57 Permalink
Wilson014 (not verified)

I want to "thank" (cyberhack005 AT gmailCOM) for helping me achieve what none of those other hackers could do. It was absolutely incredible when he helped me hacked my partner phone which enable me to spy on her phone remotely and I am recommending him to anyone that have any hacking issues that needs to be addressed. feel free to contact him for Facebook, Snapchat, Cloning, Upgrading of Grades, repairing of credit file, increasing of credit scores, Gmail, Yahoo, Instagram and Whatsapp hacks and many more. Don't waste your time thinking about this issues.. Contact cyberhack005@gmailCOM

Wed, 12/05/2018 - 18:24 Permalink
Nick Rowland (not verified)

My name is Nick Rowland from Tennessee. I'm very pleased that after all these years I finally fixed my credit, and got it to where it used to be. In the past few weeks I have had 8 derogatory items taken off my credit report including a judgment and a child support issue that had been paid on time for 7 years, but still reported late. My credit score which was at 553 (poor) which couldn't qualify me for the smallest of things which put always placed me in a depressing state. This had risen over 200 points to 755 (Excellent). All these amazing changes were made possible all thanks to CYBERGENIUS; he is really a genius indeed. Having gotten his referral [CYBERGENIUS@LIST.RU, +1(512) 596-5268] from a close friend, I actually thought within me it was all good to be true. Now i can proudly say good things can come to those who have belief; I am a testimony of that. To say I am excited is an understatement, I have been living a happy life ever since. I now qualify for everything with my excellent credit score and clean credit report. You too can do same, i implore you to reach out to him on the contacts above and get your bad credit history behind you. It is not too late to get help, always believe that!

Wed, 12/05/2018 - 23:41 Permalink
Danny Jefferson (not verified)

Back in 2017 my wife and I were preparing for our wedding in May and I thought everything was going on well at my Work place because I worked very hard, I never showed up late and did more than what was required of me but my supervisor stabbed me in the back and laid me off less than 1 month before my wedding. Although I was still able to pay for the wedding however, after the wedding, I was in a very uncomfortable financial position as a newlywed. I began falling behind on loan payments, medical bills, etc. that I owed which made my credit score plummet. I felt extremely bad because before I was married, I never made a late payment on a single bill. I was trying to figure out a way to build my credit score back up without having to wait several years so by GOD’S GRACE I was introduced to SCEPTER by a family friend JEREMY who currently had his credit report fixed by him. SCEPTER was able to quickly erase every negative item from my credit report, made the late payments appear as on-time payments and finally increased my score far past where it was before it fell within a period of 2 weeks. I applied for a high paying job which required a credit check and after the interview, I got the job and they offered to pay me $100,000 per year just because my credit report showed that I was a responsible and reliable person. Here are his contact options; Email:SCEPTER007@WORKMAIL.COM, Cell #: +1 616-421-4405.
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Wed, 12/05/2018 - 23:43 Permalink
Jacob Lewis (not verified)

With the help of Albert Gonzalez, I’ve got the perfect solution to increasing my credit score. He helped me to increase my credit score to 821 golden score and clean up my bad credit reports within a few days. He also helped me pay off my mortgage loan within few weeks. His service is fast and reliable with a substantial service charge. Contact him through AlbertGonzalezCreditRepair At Gmail Dot Com.

Thu, 12/06/2018 - 00:21 Permalink
Bobson Hash (not verified)

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Thu, 12/06/2018 - 00:34 Permalink
Bobson Hash (not verified)

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Thu, 12/06/2018 - 00:37 Permalink
phelps grace (not verified)

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Thu, 12/06/2018 - 03:47 Permalink
victorshipman (not verified)

I recently got my credit score checked and ever since I have been stressed out. My score is 479. I didn’t understand credit entirely when I got my first few cards. I failed to make payments on time, I closed two cards out shortly after opening them, and my third card was sent to collections then i got referred on discus to contact keinetcybertechnologies@gmail.com, 2 weeks after contacting them my score was improved to 820 and you do not have to pay until it gets fixed.

Thu, 12/06/2018 - 08:54 Permalink
phelpsgrace (not verified)

IF YOU NEED TO HACK OR CLONE SOMEONES PHONE AND DEVICES, I'LL RECOMMEND ' QUADHACKED @ G MAIL .COM '
if you need to hack into someones phone for any reason i'll recommend QUADHACKED . i was getting in to a relationship to someone i was quite older than, i was so unsure . i hired a ethical hacker to help me clone his whatsapp, facebook messenger and few other of his social devices. i couldn't believe my eyes, if he was occasionally cheating it would've been manageable really. but he was jumping from one woman to another, always complaining he's broke and working on something. i hired them based of recommendations i got from a friend he helped her hack into her teenage sons phone . QUADHACKED @ GMAIL. COM is the contact address he helped me a lot more times but i can't let out on here . for your hacking exploits i recommend

Thu, 12/06/2018 - 19:04 Permalink
cryptechwhiz (not verified)

For issues demanding for urgent professional hacking services,Such as Changing of School/University grade, Erasing of Criminal records, increasing your credit score, website,email or social media hacks,phone hacks etc. contact (cryptechwhiz at g mail dot com). No risk factor is involve , they are professional hackers and and give you approximately 100% clean job without trace.

Thu, 12/06/2018 - 21:03 Permalink
DAVIDSMITH@GMAIL.COM (not verified)

They are all scammers, they will make you pay after which they will give you an excuse asking you to pay more money, they have ripped me of $2000, i promised i was going to expose them.
I figured it all out when my colleague took me to Pavel

(HACKINTECHNOLOGY@GMAIL.COM)
whatsapp/cell +1845 643 6145

He did perfect job, he hacks all accounts ranging from (Emails, Facebook, whatsapp, imo, skype, instagram, Phone cloning, DMV removal, tracking locations, background checks Kik etc. he also hacks cell phones, cell phone tapping and cloning, clears bad driving and criminal records, bank transfers, locates missing individuals e.t.c. You should contact him and please stop using contacts you see on websites to execute jobs for you, you can ask around to find a real hacker.

Fri, 12/07/2018 - 01:54 Permalink
pjames67829 (not verified)

I was contacted from a Binary Options company based in Great Britain. I was offered a Binary Option trading account where experts' in their field would trade a Managed Account on my behalf and would take 10% of any profits. The minimum investment to access the Managed Account was £2,000. I was approached again once I made the £25,000 investment to add a further £40,000 to access a higher return on my investment not understanding the company was an entire scam! Then my lawsuit got lengthy and really costly, hence a certified Binary Options recovery expert Lonnie was recommended from a safe platform guided me on steps to take to recover my money back. Right now i have been able to recover my funds back. Binary option is a scam stay away. Contact lonnie on info@wealthrecoverynow.co

Fri, 12/07/2018 - 03:53 Permalink
Roger Stone (not verified)

After several months in a motel room now i can finally boost of my own apartment here in California. Robert Morris was the hacker who helped me to erase my bad credit reports and increased my credit score by 200 points within few weeks after i got in touch with him. He also helped me to het rid of the evictions and hard injuries off my credit report and got approved for a mortgage loan through him. I cant just thank him enough but you can let him know that you needed his credit assistance through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

Fri, 12/07/2018 - 17:02 Permalink
walker john (not verified)

Hello everyone, I’ve got a good news for you guys , you can have your bad credit report cleared and increase your credit score, 6 months ago my credit card was 580 and i have some bad credit reports but since my Lawyer introduced me to an hacker, Adrian who helped him clear his bad credit reports and increased his credit score to 830, my life has changed for good because now my bad credit report has been cleared and i now have a credit score of 830, i didn’t believe this until it happened, now i’m having a good time with my family in our new Home in texas, I can’t believe an hacker just changed my life. you can email him at Adrianlamocyberexpert At Gmail Dot Com.

Fri, 12/07/2018 - 23:24 Permalink
Jason Williams (not verified)

It will be so bad of me if i don’t tell you guys about how i got my credit score increased , i never thought that would be possible until my neighbor gave me Frank’s contact, the hacker who has done a great job for me and has really changed my life, I’m so happy that i now have a 830 golden score and he also hacked into the 3 credit bereaus, in fact, i have no more bad credit reports, so I’m pretty sure alot of people out there have been wanting this kind of opportunity for a very long time, you can get in touch with Frank through Cyberhackmaster09 At gmail Dot com or (406) 578-8234.

Sat, 12/08/2018 - 01:15 Permalink
Evans Hamilton (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 a fixer . He removed all the negative items on my FICO report and increased my credit score from 541 to 785. I was really surprised that he helped me do it within a short time,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: NERDORACLE247 (at) GMAIL (dot) COM or text (781) 816 9462 for the job.

Sat, 12/08/2018 - 07:51 Permalink
Cindy Crabtree (not verified)

I'm giving a testimony of my new home because i just Sign the papers within a week, So don’t ever think you’ll never be able to rebuild your life just apply yourself to get it done at the right time. Good luck to everyone because i have came across the right repairer called (DARK WEB). Information is the key because you need a successful hacker to improved your credit score and clear off your evictions, Mortgages and debt records. I finally came across the hacker that provide permanent solutions to whatever may effect my life and i am sure he will be able to help you guys having similar issue should contact him now. DARKWEBCYBERSERVICE@GMAIL.COM.

Sat, 12/08/2018 - 09:52 Permalink
Cindy Crabtree (not verified)

I'm giving a testimony of my new home because i just Sign the papers within a week, So don’t ever think you’ll never be able to rebuild your life just apply yourself to get it done at the right time. Good luck to everyone because i have came across the right repairer called (DARK WEB). Information is the key because you need a successful hacker to improved your credit score and clear off your evictions, Mortgages and debt records. I finally came across the hacker that provide permanent solutions to whatever may effect my life and i am sure he will be able to help you guys having similar issue should contact him now. DARKWEBCYBERSERVICE@GMAIL.COM.

Sat, 12/08/2018 - 09:52 Permalink