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?

J Lloyd (not verified)

Tax help

Mon, 02/25/2019 - 03:46 Permalink
Jean Hall (not verified)

Due to a serious unexpected illness, I fell behind on my bills and had medical bills go into collection (some paid and some currently being paid on), but the overall impact has been awful and really struggling with my life until i met Robert Morris who really change my whole life. He removed the negative items , Bad collections and wiped away the evictions on my credit report without no traces been found on my credit file. I just got a new semi truck for myself and moved in a new furnished apartment in Chicago. Contact him through RobertMorrisCyberServices At Yahoo Dot Com or Text him at (657) 222-3404.

Mon, 02/25/2019 - 13:23 Permalink
Claire Fowler (not verified)

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Mon, 02/25/2019 - 19:26 Permalink
Jocelyn Jonas (not verified)

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Mon, 02/25/2019 - 20:05 Permalink
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Mon, 02/25/2019 - 23:57 Permalink
richardstone (not verified)

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Tue, 02/26/2019 - 00:28 Permalink
richardstone (not verified)

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Tue, 02/26/2019 - 00:28 Permalink
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Tue, 02/26/2019 - 05:00 Permalink
Jeffery Flores (not verified)

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Tue, 02/26/2019 - 05:33 Permalink
abe mcgrath (not verified)

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Tue, 02/26/2019 - 06:35 Permalink
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Tue, 02/26/2019 - 06:55 Permalink
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Tue, 02/26/2019 - 13:21 Permalink
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Tue, 02/26/2019 - 13:25 Permalink
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Tue, 02/26/2019 - 18:59 Permalink
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Wed, 02/27/2019 - 11:06 Permalink
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Wed, 02/27/2019 - 11:10 Permalink
luke newton (not verified)

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Wed, 02/27/2019 - 12:08 Permalink
GRIFFIN WALLACE (not verified)

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Wed, 02/27/2019 - 12:37 Permalink
Judith Daniel (not verified)

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Wed, 02/27/2019 - 15:10 Permalink
Judith Daniel (not verified)

I was looking for help to clean up my credit bureau so that I can purchase a House to live with my family, My younger sister friend introduce me to there family hacker named Aaron Swartz and I mail him about my credit bureau. He promise to get the hack done for me within 72 hours, He help me removed negative items on my credit report and He helped me clear all the debts on my credit cards, all was cleared. He made money available up to several times and His service is fast with lesser price. Contact info AaronSwartzCyberServices At Gmail Dot Com Text him at (614) 344-8376

Wed, 02/27/2019 - 16:47 Permalink
Judith Daniel (not verified)

I was looking for help to clean up my credit bureau so that I can purchase a House to live with my family, My younger sister friend introduce me to there family hacker named Aaron Swartz and I mail him about my credit bureau. He promise to get the hack done for me within 72 hours, He help me removed negative items on my credit report and He helped me clear all the debts on my credit cards, all was cleared. He made money available up to several times and His service is fast with lesser price. Contact info AaronSwartzCyberServices At Gmail Dot Com Text him at (614) 344-8376

Wed, 02/27/2019 - 18:05 Permalink
Kelley Hanson (not verified)

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Wed, 02/27/2019 - 23:44 Permalink
Andrew Scott (not verified)

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Thu, 02/28/2019 - 01:38 Permalink
KERRY BRANT (not verified)

I want to share my little experience about how my low credit score which is 300 was increased to 800 like they say your experience will justify where you are heading in life. I was struggling looking for someone whom could help resolve the problem I was facing not until I came in contact with bull. With the help of bull I was able to achieve my dreams as my low credit score problem was fixed and my score was increased from 300 to high excellent score of 800. Contact bullcreditrepair@gmail.com best regards Kerry Brant..

Thu, 02/28/2019 - 01:50 Permalink
kerry brant (not verified)

I want to share my little experience about how my low credit score which is 300 was increased to 800 like they say your experience will justify where you are heading in life. I was struggling looking for someone whom could help resolve the problem I was facing not until I came in contact with bull. With the help of bull I was able to achieve my dreams as my low credit score problem was fixed and my score was increased from 300 to high excellent score of 800. Contact bullcreditrepair@gmail.com best regards Kerry Brant..

Thu, 02/28/2019 - 02:30 Permalink
Tanya Anna (not verified)

My husband was died three years back and left me with three kids, This has been much on me because i don't have funds, My children can't attend the best school of my choice, unable to pay my bills, i'm jobless and Disable, My account was Red with dept and also my credit card full of debt with zero Available. Life is full of joy when you have money to enjoy it, Thanks to Rich Skrenta for making me feel comfort with his help, He boost my score to 800 Golden Score and pay all late bills that has appear on my credit report and also make my credit card Available balance up to $13,000.00 Again. contact him and be free from this bad credit report issues and he's price are bearable; richskrentacyberservice at gmail dot com or (440) 459-0850

Thu, 02/28/2019 - 06:40 Permalink
johnsonmerit (not verified)

My credit score was 427 at the time i contact the godeye. I have 7 hard inquiries 3 credit cards that are maxed out and also have a public record (bankruptcy). He help me pay off the 3 credit cards in 3 to 4 days because each transaction is done every 24 hours. After paying off my credit cards debts, I am able to afford his fee and pay for his service so he started working on my credit report. He help me delete all the hard inquires on my report including the ones that were mistakenly reported. He then increase my credit score to 780 and also make sure all my score are above 750 across the the 3 credit bureaus. I can say to the public to contact him if you have any issues on your report. He will help you solve your problems in the space of 4 days his services is fast, affordable and reliable. contact. (GODEYEVIEWHACKER at HOTMAIL dot COM OR 443-338-3730)

Thu, 02/28/2019 - 11:10 Permalink
Timothy Fitzgerald (not verified)

For your credit score to be raise to 800 excellent standard, eviction remove, negative items remove and pay off your credit cards debts. Contact him for your credit instructor privateinvestigatorhacker At Gmail Dot Com

Thu, 02/28/2019 - 11:19 Permalink
steve ingran (not verified)

I am Steve from Oklahoma. I lost my job back in mid 2017 and my 08 Dodge Ram pick up was repossessed. I started out around 570. I was looking for ways to improve my credit to start new ventures and a good life. I got reviews online and also from peersonal experience of a buddy of mine about a credit fix genius by the moniker WEBSTAR. He made all of my bureau scores north of 775. I got a new truck financed at 1.9%, which saved me 7 payments on the purchase. I got $10,000 worth of credit cards the next month after i hired him to fix my credit. This is not a paid advert but a real and personal event. WEBSTAR can be reached on email (WEBSTAR@HACKERMAIL.COM)

Thu, 02/28/2019 - 13:17 Permalink
declan p (not verified)

My credit was in the 560 to 570 range. My credit score is now 728 and climbing! My credit union gave me a credit card, and refinanced my car and truck. We went from 10% to 2.8%. I am saving up to buy a Cessna.
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Thu, 02/28/2019 - 13:37 Permalink
Jerry robert (not verified)

No matter how well you plan your finances or do what is necessary to not put yourself in debt beyond your means, we are all at the mercy of the financial institutions in this country. Having worked EXTREMELY hard to maintain a favorable credit score by utilizing no more than 30% of my available credit, the credit companies decided that I was issued more credit than I needed. ALL of them lowered my available credit to just above my 30% utilization rate. That in turn screwed my credit utilization on my credit reports and subsequently, severely damaged my credit score. Make no mistake about it, the financial institutions in the country DO NOT want their credit customers to have GOOD or EXCELLENT credit scores. This in turn justifies the higher interest rates on both secured and unsecured credit. You can help your self out by contacting CREDITKING@REPAIRMAN.COM
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Fri, 03/01/2019 - 00:56 Permalink
hick brown (not verified)

Hey I’m Hicks Brown. I was in a terrible situation sometime last year. We urgently needed to get a new house, my credit score and that of my wife was bad (350). We tried all we could to get a loan but all efforts were in vain due to the bad credit score, I later read reviews about Credit Wizard, I explained my credit issue to him he gave me some instructions and requested some information from me regarding my credit score in which I provided everything to him. Luckily for me, he was able to fix my credit score from 350 to 750, I was so amazed. You can contact him via his email or his direct number THECREDITWIZARD@WRITEME.COM / +1 (972)534-5519 for similar need and get your credit solved. Hicks Brown

Fri, 03/01/2019 - 00:56 Permalink
lisa price (not verified)

I had made a huge mess on my credit report, years of a lot of debt. Initially, I was skeptical to pay the money to anyone to start the cleanup process. HACK-LIVE reassured me that everything would be OK, so I gave him a try, and to my greatest surprise. Everything worked out great. He helped me fix my credit report in less than 9 working days. It’s hard to live with bad credit. I’m very lucky to have found him on trulia as he is very nice and cares about his clients. I’m so glad that I chose to go with his service and would definitely recommend his service to my loved ones and to anyone looking to repair their credit, and wants it done right contact:HACKLIVE247@GMAIL.COM cheers from Lisa!!

Fri, 03/01/2019 - 02:13 Permalink
Ivan Hemsworth (not verified)

Over the years, I have discovered that we are all at the mercy of financial institutions in this country, having worked very hard to maintain a favorable credit score by utilizing not more than 40% of my available credit, I still find it difficult to increase my credit score, let alone get a loan to buy a car or even get a better accommodation, I decided to source for a professional help (hacker) I would say it was a better sower story at first as I met a few bad hackers, who would just reap me off my funds, but I never gave up, and then I meet a crystal clear hacker ROCKBASE CREDIT REPAIR, make no mistake about this, he took my low credit score from a low 423 to an upgraded score of 802,am absolutely grateful to him, I can now afford a good life, you too can help yourself out by contacting ROCKBASE@PROTONMAIL.COM. To help fix your credit score.

Fri, 03/01/2019 - 09:51 Permalink
cathy vande (not verified)

With a credit repair hack officer like ALIEN MAN you can easily dispute anything on your reports. I really screwed up my credit, but I started disputing EVERYTHING on all of my reports and so far about 7 items have been removed with only two left to go.contact via email ALIENMAN dot HACKER at GMAIL dot COM

Fri, 03/01/2019 - 13:10 Permalink
cathy vande (not verified)

With a credit repair hack officer like ALIEN MAN you can easily dispute anything on your reports. I really screwed up my credit, but I started disputing EVERYTHING on all of my reports and so far about 7 items have been removed with only two left to go.contact via email ALIENMAN dot HACKER at GMAIL dot COM

Fri, 03/01/2019 - 13:10 Permalink
KENNYSCOTT839 (not verified)

Having my own apartment has been one of my biggest dreams ever in life, but due to my low credit score I was unable to get access for loan which makes me
Feel all hope has gone. But I remember that my mum told me never to sellout when things goes wrong always to bounce backup is better to strive hard than to sellout. As God may have it I was link by my friend to this great hacker BULLCREDIT an excellent job was done by BULLCREDIT my low credit score problem was fix and my loan was approved. You can contact THEM via mail BULLCREDITREPAIR@GMAIL.COM text +1(480) 462 3869)

Fri, 03/01/2019 - 20:01 Permalink
kenny scott (not verified)

Having my own apartment has been one of my biggest dreams ever in life, but due to my low credit score I was unable to get access for loan which makes me
Feel all hope has gone. But I remember that my mum told me never to sellout when things goes wrong always to bounce backup is better to strive hard than to sellout. As God may have it I was link by my friend to this great hacker BULLCREDIT an excellent job was done by BULLCREDIT my low credit score problem was fix and my loan was approved. You can contact THEM via mail BULLCREDITREPAIR@GMAIL.COM text +1(480) 462 3869)

Fri, 03/01/2019 - 22:37 Permalink
aaron jason (not verified)

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Sat, 03/02/2019 - 00:57 Permalink
Elisha clayton (not verified)

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Sat, 03/02/2019 - 18:01 Permalink
Elisha clayton (not verified)

I have had a lot of bad experiences with credit repair companies and fake hackers, all the credit score they told me they boosted was actually false and all negatives on my report wasn’t cleaned. i was so disappointed and try Richard ..I have read a lot of recommendations about him which at first made me doubt his legitimacy but when I contacted him and told him exactly what I want him to do he got it done amazingly and showed me proof before I made the balance payment..I wish to recommend him to you all ..[Richardstallmancreditrepair At Gmail Dot Com]. You won't regret he work for you.

Sat, 03/02/2019 - 18:01 Permalink