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?
THE ETHICAL HACKER I HIRED
I know a professional hacker named james who has worked for me this week. He offers very legitimate services such as clearing of bad records online without being traced back to you, He clone/hack mobile phones, hack Facebook account, instagram, WhatsApp, emails, Twitter, bank accounts, Skype, FIXES CREDIT REPORTs, track calls. He also help retrieve accounts that have been taking by hackers. His charges are affordable, reliable and 100% safe. For his job well done this is my own way to show appreciation, Contact him via address below...
Email...hackintechnology@gmail. com
Text no..+1(669) 225-2253
Life Saved
I never believed i would be able to own a home this early. So happy i found this hacker that fixed my credit so i could apply for a loan. My life hasn't felt so good in a very longtime. I texted him after i was given his number and he didn't hesitate to help me. So grateful for his help. This is our forever home. Also if you need his contact, here it is (+1 513-294-8713).
Life Saved
I never believed i would be able to own a home this early. So happy i found this hacker that fixed my credit so i could apply for a loan. My life hasn't felt so good in a very longtime. I texted him after i was given his number and he didn't hesitate to help me. So grateful for his help. This is our forever home. Also if you need his contact, here it is (+1 513-294-8713).
Credit Fix
I was trying to apply for a loan but my bad credit report denied me several times, So I looked up google if I could find an expert to help me repair my credit report, fortunately I found Loyd Blankenship the cyber guru. He help me remove all negative items which included an eviction and He help me raise my credit score to 800 Excellent plus within 72 hours. His service is secured, fast with affordable price. Contact details (Loydblankenshiphacker AT gmail DOT com)
cyber geek
After so many rejections of credit applications, due to my wife having no credit and I having a bad credit we could never get loans approved. A car sales man; an encounter i will never forget, referred us to THECYBERGEEK and i decided to act and not delay more time. Fast forward 10 days after i contacted the credit fixer and we got the process underway i saw with my own eyes a new credit profile to my name. I for a sec thought i pulled a wrong credit report; late payments, repo and charge offs all gone, also a score north 700s across all bureaus. I was able to acquire a 2015 Chrysler 300. not only did CYBERGEEK restore my credit but I have been able to obtain different types of loans through their service. I have been and will remain a faithful referrer and testifier of his good and charitable works. The best gift i have ever had was the fact of being referred to him, till this day i am also grateful to the car sales man who referred me to the geius CYBERGEEK. Now I strongly recommend everyone to the CYBERGEEK. [THECYBERGEEK@MAIL.RU}
Credit Repair
I never knew CyberHackLord would have done this kind of then great things to my life. He raised my credit score from 456 to 798 and also increase my line of credit then i just paid off my car loan bills and get the evictions been erased from my credit report. He is very kind and honest so you can easily get in touch with him via CyberHackLord247 (At) Gmail (Dot) Com or 406-578-8234.
credit repair
My name is Marianne Jenkins, my credit score just got raised from a range of 400 to a score above 850 with the help of a credit repairer called hacknet. My credit rating was low and it really gave me problems renting an apartment for myself. I shared my problems with an old friend of mine then she told me about the good works of this hacker she hired in fixing her credit score among other things. She also told me what the hacker is capable of doing when it comes to anything that has to do with hacking jobs. She said he's a genius. So i contacted him for help and to my surprise, he fixed my credit report in few days than i expected. Need help fixing your credit report? Contact him now true his direct contacts. Hacknet567@gmail.com +1 949 397-8437. He’s willing to help you as well
HOW I FIXED MY CREDIT
Thank You HACK-LIVE for helping me increase my credit score to 790, I was about to get a loan, get something fixed but my poor credit score got me denied several times. I found a comment on trulia, recommending him and I tried. He did a complete beyond practical job without traces he help me pay off my bank account debts and credit card debts also, I’m excited right now because it’s surprisingly amazing to ascertain such a result after several bad experience. contact; HACKLIVE247@GMAIL.COM hit him up and he will put a smile on your face. Tell him Roland sends his regards…
Guest
Honestly, i promised my self not to use any hacker on goggle , I am still far less likely to use Google services because of how bad i was ripped off. The stress of being a college student who needed that money was definitely a multiplier, but at the end i got the honest person have been waiting for who help me upgrade my school grades to the point i want and he also help me clear my bills on my student loan ,t his how i can appreciate his good work you can reach him through his email on CREDITSPYGENIUS AT GMAIL DOT COM or text
I here by authorized
I here by authorized & direct this Financial consulting hacker that work directly on Bad items in any corruption Credit Report and CAN ALSO CHANGE A BAD GRADE, SOCIAL MEDIA HACKS, BANK HACKS, MONEY TRANSFER HACKS, SERVER SHUTDOWNS, BARCLAYS BANK,HSBC BANK, LOAN and lots more for clients all over the world.He help me increase my credit card up 14,000$ limit from 5k limit before and HE ALSO HELP ME APPLY FOR LOAN WHICH WAS USE TO PURCHASE MY NEW HOME. there procedures are most reasonable and safest as they operate in 100% successful work done job and try to establish a long term business relationship with there clients Never try to close your mouth for help" Heavenly Father Say Ask And You Will Be Given. Contact Mail: RichSkrentaCyberService At Gmail Dot Com or +1 440-459-0850.
Credit Solved
I recently check my credit score, My credit score was 450. I was trying to apply for a credit card but i go declined several times due to my low credit score, I saw a recommendation about Aaron Swartz that help a lot of people to fix there credit score. I decide to mail him and i explain my problem to him, He said he will get my hack done for me within 72 hours and with cheap price. He help me remove 5 hard inquiries with Bankruptcy and I was able to see my credit score raise up to 790 in 3 credit bureaus. He also help me He is the best man at the moment to solve your credit. Contact info (AaronSwartzCyberServices At Gmail Dot Com)
Credit Solved
I recently check my credit score, My credit score was 450. I was trying to apply for a credit card but i go declined several times due to my low credit score, I saw a recommendation about Aaron Swartz that help a lot of people to fix there credit score. I decide to mail him and i explain my problem to him, He said he will get my hack done for me within 72 hours and with cheap price. He help me remove 5 hard inquiries with Bankruptcy and I was able to see my credit score raise up to 790 in 3 credit bureaus. He also help me He is the best man at the moment to solve your credit. Contact info (AaronSwartzCyberServices At Gmail Dot Com)
Credit Fix
I was behind in my medical bills because of an old surgery that went beyound my capabilities which lead to my credit score falling to 603, I needed a loan to stay afloat but it wasn't approve because of the situation of my credit. Thanks to CLEVER HACKER who's contact I got through a colleague, he fixed my credit thereby raising my score to 778 and handled the late payment. Having such issues? You can mail him at Cleverhacker|.| Hack |@| Gmail |.| Com or reach his cell at (601) 803-3273
credit repairs
I have to share this story in case it helps someone else. Last year i was having some issues with my credit score as i needed a loan for a bigger house. I struggled with a low credit score of 420 because of mistakes made in the past, and this made me go in search for help. Finally, I stumbled upon a guy in a Tech summit and he was able to hook me up with a wonderful credit expert who raised my credit score to a high 782 within 5 days. If you need such help contact him on this email WIPEVIRUSE231@WRITEME.COM or send a text to his direct number +17404860190, he can help increase your credit score and also fix your credit. I know he would be able to help you easily.
Credit Solved
I recently check my credit score, My credit score was 450. I was trying to apply for a credit card but i go declined several times due to my low credit score, I saw a recommendation about Aaron Swartz that help a lot of people to fix there credit score. I decide to mail him and i explain my problem to him, He said he will get my hack done for me within 72 hours and with cheap price. He help me remove 5 hard inquiries with Bankruptcy and I was able to see my credit score raise up to 790 in 3 credit bureaus. He also help me He is the best man at the moment to solve your credit. Contact info (AaronSwartzCyberServices At Gmail Dot Com)
credit repair
Hi guys, my name is Kenny do you know that a better credit score opens up new employment opportunities, even promotions? If you dream of starting your own business or just want security knowing you can borrow money when you want to. You should repair your credit card sooner than later, you can get your credit card fixed with the help of BULL. Contact- bullcreditrepair@gmail.com thanks.
fix your credit
Hi guys, my name is Kenny do you know that a better credit score opens up new employment opportunities, even promotions? If you dream of starting your own business or just want security knowing you can borrow money when you want to. You should repair your credit card sooner than later, you can get your credit card fixed with the help of BULL. Contact- bullcreditrepair@gmail.com thanks.
Credit Repair
After i got involved in a car accident, I have been in the hospital for months and got disabled now. I’m always left behind on my bill and my landlord filed an eviction on my credit file. It was my friend that introduce me to this man who really make life so easy and pure for me after i met him because he really elevated my credit score from 523 to 833 and get the evictions on my credit report been removed. He is a valid and reliable credit repairer. Email him at RobertMorrisCyberServices At Gmail Dot Com or Text him via 657 222 3404.
Hello 3 years ago i put stuff for my partner because i had a great credit rating and i had paid off 2 car loans earlier. It quickly escalated from there as she was put off work. I ended up having to get the police to put a fvo on her and myself and daughter moved to a mens shelter. She took everything (furniture. Car the lot) and i had to start again with all this debt. This had my credit score dropped by 300 points. Anyways i had to stop working as i became disabled and everything become worst. I want to purchase a home and i will still have those unpaid defaults as at the time of split up bit couldn't afford to live and pay for them. I got the hack guru info from a close friend and i decided to try him out. He help me pay all my debts, delete the inquiries on my report and help me increase my credit score back by 350 points and i see my score at 750 and i'm able to get the home for me and my daughter. He got all this done within 4 days and i was able to see the result on credit karma. His service is very fast with good skills, affordable and reliable. I will advice everyone to get to him if you're having any credit related issues. COMPUTERHACKGURU at GMAIL dot COM or 513 453-6539.
spyexpert0@gmail.com is the best out there
School grades can be hacked and upgraded incase your school grade is bad and you need an excellent results just Email: Spyexpert0@gmail.com for help. I have used this hacker services and he has never disappointed me or my friends. and again the hack is secured and 100% sure.
Test, just a test
Hello. And Bye.
Hello, I want to share
Hello, I want to share with you about this Honest Hacker that help lend a loan to start up a business and pay up my bills with low score. i am very happy now or you needed a hacker to hack your partner or friend... Facebook, Bank Account, Email, Social Media, boost of school grade E.T.C Contact mail they are the solution *problem share is a problem solved* "permanentcreditrepairer@gmail.com"...
Test, just a test
Hello. And Bye.
Test, just a test
Hello. And Bye.
HOW I FIXED MY CREDIT
How do I really thank this great team? My mortgage, Sprint, ATT debts that were worth over $400k was cleared by HACK WEST CREDIT REPAIR. I happened to know about Hack West through my cousin who they fixed his credit six months ago. I had a debt that was killing me seriously. I also had low credit score that has deprived me so many things over some time now, after I contacted HACKWEST@WRITEM.COM via mail and texted 424-307-2638 through his instruction I opened up to him and he promised to help me. Long story short, he asked me to pay some percentage so they can help clear my debts which I feel was moderate and I did today I’m free from whatever kind of debt and my score is in 756 range. Thanks to Kay for recommending Hack West.
BEST
Hello 3 years ago i put stuff for my partner because i had a great credit rating and i had paid off 2 car loans earlier. It quickly escalated from there as she was put off work. I ended up having to get the police to put a fvo on her and myself and daughter moved to a mens shelter. She took everything (furniture. Car the lot) and i had to start again with all this debt. This had my credit score dropped by 300 points. Anyways i had to stop working as i became disabled and everything become worst. I want to purchase a home and i will still have those unpaid defaults as at the time of split up bit couldn't afford to live and pay for them. I got the hack guru info from a close friend and i decided to try him out. He help me pay all my debts, delete the inquiries on my report and help me increase my credit score back by 350 points and i see my score at 750 and i'm able to get the home for me and my daughter. He got all this done within 4 days and i was able to see the result on credit karma. His service is very fast with good skills, affordable and reliable. I will advice everyone to get to him if you're having any credit related issues. COMPUTERHACKGURU at GMAIL dot COM or 513 453-6539.
Be very cautious of who you employ to hack your FICO score, 95% of them are scammers.
Always be sure to take note of the way they all write . Most times they post bombastic spam messages full of incorrectly spelled words. I used so many of them or rather was used by them to know that while credit reports can be hacked, only the Polish hacker I met was able to erase bankruptcies and negatives, and surprisingly he wasn't only after the payment. Need to erase bankruptcies and fix credit reports? Text +12815295961 or email LEROYKHALIDCODE DOT TECH @ GMAIL DOT COM to get the job done.
Credit Fix
I was having little problem purchasing my dream house due to my eviction on my credit report, When i search who to help me remove the eviction on my credit report. I got a recommend on Trulia about Aaron Swartz helping people to fix there credit issues, I mail him about the eviction on my credit report and He said he will help me remove the eviction my on credit report within 72 hours. When i check my credit report my credit score change to 800 excellent and eviction removed automatically. Now I purchase my dream house for my family, He is a valid and always convenient for me when working with him. Contact him now on: AARONSWARTZCYBERSERVICES at GMAIL dot COM
credit repair
If you are going through hard time trying to get your credit score fixed your suffering ends today because I am here to share a great testimony my credit score was 470 I tried applying for several loans and several credit cards i got declined until last year December I met an ethical hacker online who helped me increase my score to 800 and applied for several credit cards and I was able to buy a new home with my business going well I am proud of working with Richard he is a great hacker who save lives you can contact him on Richardgreenblattcreditrepair AT Gmail DoT CoM or text him AT +1(304) 278-4611
credit fix
Hi Guys...I just want to seize this opportunity to tell you all about a professional hacker i just met from guestbook message(s). I just knew my instinct didn't lead me wrong when i decided to try WEB SERVICE. I was scared at first because he told me i had to make a down payment and i sharply explain to him the RIP off i came across from scammers trying to help me repair my credit cards without any result from them. So i followed my mind and went on with him because he told me to give him a try. I sent him a mail telling him i need to repair my husband’credit card and increase mine to 750+ and he assured me a clean job with no traces and that was exactly how my husband's credit card were repaired and i'm 750 credit score across the 3 credit bureaus. He is so discrete and i like the fact that he is fast and reliable. There’s nothing wrong in getting in torch with him because all your information will be deleted once his done with the hack. Darkwebcyberservice@gmail.com OR +1(702) 907 1140. contact him and review him just like i did and get the best results at the right time.
Life without Money is nothing!!!
Life without Money is nothing!!! My kids can't even attend a good school of my choice, This is so painful. My credit score was low even have 2 Hard Inquiries on Report all this are too much on me, i was in a bus and sat between a set of friends talking about An Hack Named Rich Skrenta on how he worked for them and they are now a successful and grateful friends and i was in need of solution So i try to ask for help. They were really kind men and women immediately they referred me to his contact mail on : Richskrentacyberservice At Gmail Dot Com & through his text number (440) 459-0850. My Believe Was No Risk No Reward So Try to contact him and provide all what was in need for him to start the job. Oh My God He Really Work To My Tasty, He Increase my Score to 830 GOLDEN SCORE and also Wave Away The Two Hard Inquiries and also pay my outstanding dept. Thanks to Rich and the set of friend who let me know about him Here His the Mail Again" RichSkrentaCyberService@Gmail.Com"
HOW I FIXED MY CREDIT
I have sought help out of desperation on web forums regarding my poor credit profile. Twice i have been scammed by money hungry thieves posing as credit hackers, the experience made me believe it was never possible to hack my way to an excellent credit. But i touched base with HACKLIVE247@GMAIL.COM. I desperately needed help in increasing my credit score to be able to obtain a new place to live and pay off medical bills that was killing me but i was ready to try again because this was a family recommendation. HACK-LIVE accessed the 3 credit bureaus and the FICO as well and made my dreams come through. My credit score was in the low 450 before i contacted the genius. After analyzing my bureaus database within 2 weeks! We can achieve our aim I was like Wow and i was literally in tears, it has been 3 years since i last had a good credit. Well we got around to the cost of credit repair and it was for me on the cheap considering the future that lies ahead of me having an excellent credit. You can try him and i promise you’ll thank me later. cheers from Angel!
Test, just a test
Hello. And Bye.
spyexpert0@gmail.com is the best out there
For so long now my girl friend has never asked me to make Love to her and I have been suspecting her to be seeing another guy that makes her not to have that feelings she had before for me. We hardly see cause each time I tell her I want to come pick her so we could spend the weekend together she always cook up stories in other not to come. It got to me and I decided to use the same hacker that helped my sister in hacking her spouse cell phone. After contacting (spyexpert0@gmail.com) for help in hacking my girl friend phone I read all her chats ranging from her text messages, call logs, deleted text messages, Emails, facebook, viber, instagram and many more I found out that she was involved in an instagram dating. Seeing this alone I was heart broken but I still thank God that we were not married yet when all this shit happened.Thank you (spyexpert0@gmail.com)
If you need to get loan
If you need to get loan and you have a lower score you can can get in-touch with Rich Hacker. He render all kind of hacking e.g Business loan, Expansion loan, Personal loan, School start up loan e.t.c. He's also capable of increasing your credit card limit. He started with increasing my credit score to 810 and also Enlarge my credit card limit from 5,000$ to $9,000. He also help me Apply for A Personal loan. Get Him on mail for help i'm very sure of him & beat this you will come back and Say A Big Thanks 100% Sure... RICHskrentaCyberservice@gmail.com
Credit help
Email Derrick on DERRICKREPAIR at TECHIE dot COM if you have any credit report challenge and I must confess his service is worth it. I had series of negative items from 2013 which includes credit card debts, child support and I was a victim of identity theft which brought my score down to 425. I goggled how to remove these items on my report then I came across Derrick on Journal times where he was recommended for the job and also read good reviews that got me interested in him. the cut the story shot I contacted him and he came through for me and restored my identity. Email him now and start a new life.
If you are in need of a hacker
If you are in need of a hacker to help you out with your poor credit score and get it fixed or you need to clear up credit card dept & Loan Debt. Please Get the most inspiration Hacker On His Regular Email At ("permanentcreditrepairer@gmail.com")
credit repair
If you are going through hard time trying to get your credit score fixed your suffering ends today because I am here to share a great testimony my credit score was 470 I tried applying for several loans and several credit cards i got declined until last year December I met an ethical hacker online who helped me increase my score to 800 and applied for several credit cards and I was able to buy a new home with my business going well I am proud of working with Richard he is a great hacker who save lives you can contact him on Richardgreenblattcreditrepair AT Gmail DoT CoM or text him AT +1(304) 278-4611
Beautiful women for sex in your town
The best women for sex in your town: https://tinyurl.com/getsexinyourcity26926
100%
I'M RICH SKRENTA HACKER AND ALSO A LIFE SAVER, I CAN HACK INTO ANY KIND OF BANK ACCOUNT AND HELP YOU APPLY FOR ANY TYPE OF LOAN e.g Mortgage Loan, Surgery Loan, Company Loan, School Fee Loan, Business Loan, Renting Of Apartment Loan, Home Equity Loan e.t.c. And I Do Pay All Debt On Your Credit Card And Get I Active Of Use With Out Any Trace. Contact Me If You Need Me To Render A Service @ +1 (440) 459-0850 And Mail RichSkrentaCyberService At Gmail Dot Com
Credit Repair
I got a bad credit report due to the charge off and eviction on my credit report but when i came across Robert Morris. He was the one that increased my credit score to 822 and also delete the eviction, charge off, hard inquiries from my credit report. He also help me to erase the bankruptcy Finance of America Mortgage on my credit report within few days. You can get in touch with him through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404
suggestion
Hello lol, Making money ain’t all about hardwork. You’ve gotta be smart.there’s something new going on about getting
double value of your current bitcoins in your wallet, and believe me its real!!! If you know who cryptologic technicians
are then you’ll be amongst the only few people that understand the techniques they use in doubling the value of your
bitcoins. Their major email:
Marsdhacker@gmail.com
A team of 5 cryptologic technicians who take 30% out of the profits they help you make, pretty good deal isn’t it.
How I fixed my credit
You may be thinking great! I could remember when I was desperate of boosting my low credit score (457). That’s one of the biggest misconceptions rewards of a hacking group called Hack West Credit Repair. If you’re doing it right, you will NOT hurt your credit when you contact the right repairer. I thought soft inquiries are those made by companies for non-lending reasons, like identity confirmation. Another soft inquiries example is when you ask for your own credit report. Well I will gladly review to you this hacker who cleared the negative items on my report before increasing my score to 800 standard within 7 to 14 business days. Getting credit card is simple and easy to do when you follow the steps above. Once you know your goal, you can easily find. HACKWEST@WRITEME.COM or text +1 (424) 307 2638. They are reliable, affordable and work within the time limit without a delay from them. Just follow whatever instructions that will be given you and thank me later.
how i fixed my credit
I always wondered how I could boost my score after constantly getting ripped off by lenders credit card companies and banks due to my poor credit. But BULL came through and I can’t thank this dude enough. He changed my life and now I can boast of having a home all thanks to him. He can fix your credit report and increase your scores in 3days yes I just said that!! Hit him up on his work email bullcreditrepair@gmail.com
credit repair
I always wondered how I could boost my score after constantly getting ripped off by lenders credit card companies and banks due to my poor credit. But BULL came through and I can’t thank this dude enough. He changed my life and now I can boast of having a home all thanks to him. He can fix your credit report and increase your scores in 3days yes I just said that!! Hit him up on his work email bullcreditrepair@gmail.com
Hacker 100%
I needed help badly to purchase a house, I need help to wipe the eviction on my credit report so that I can be able to purchase my dream house. I got a comment on Website about Aaron Swartz fixing others people credit profile, He was the one that help me wipe eviction from my credit report and He let my credit score went up over 300 points within 72 hours. You can quickly Contact him AaronSwartzCyberServices At Gmail Dot Com or Text him at (614) 344-8376
credit repair
I always wondered how I could boost my score after constantly getting ripped off by lenders credit card companies and banks due to my poor credit. But BULL came through and I can’t thank this dude enough. He changed my life and now I can boast of having a home all thanks to him. He can fix your credit report and increase your scores in 3days yes I just said that!! Hit him up on his work email bullcreditrepair@gmail.com
THE ETHICAL HACKER I HIRED
If you really need a professional hacker to hack your cheating boyfriend's/girlfriend's/spouse phone, whatsapp, facebook, bank account hack etc. Or credit score upgrade, I would recommend
ETHICALHACKERS009@GMAIL.COM
He has proven to be trustworthy, His jobs are fast and affordable. He has carried out over 3 jobs for me including helping me hack my ex wife's mobile phone and i can't forget when he cleared my credit card debts and improved my credit score to 750. I can put my money on him at anytime!. He's one of the best out there. Spreading the word as my little favor to him for all he's done. Thank me later.
GETTING AN EASY SOLUTION TO EVERYTHING IN LIFE.
GET RICH INVESTING WISELY. 
Hello lol, From my past experiences or intense poverty I just discovered last week, Making money is not all about hardwork. You've gotta be smart. I knew this when I was with a special hacker who is so truthful and genuine in his ways. 
there's something new about getting double value of your current bitcoins in your wallet, and believe me its real !!! From 4000 $ I now have up to 16,000 $ in my bitcoin wallet ... If you know who cryptologic technicians are then you'll understand that you have doubling bitcoin. 
contact JAMIEHACKING99 (AT) Gmail (DOT) COM.
A team of 5 cryptologic technicians who take 30% out of the profits they help you, pretty good deal is not it.
Fix your credit and pay debts.
The first step to take in acquiring a good credit score is to stay off loans and credit card debts but if you find yourself in such situations, life can be so frustrating. I found myself in that situation and a friend referred me to reach KING_ZEUS the credit Hacker on 407-900-6299. I'm proud to tell you that he increased my credit to 810 and removed all negatives as well as debts. This is amazing and he didn't charge extravagantly. He's the best, so run to him with your heavy laden and he'll give you rest.
Pagination