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?
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TROJAN@WRITEME.COM (JOSH) IS A SCAM/FRAUD. I'VE SENT THIS GUY OVER $5100.00 TO REPAIR MY CREDIT. HE STARTED ME OUT WITH $400.00 AND IT WAS SOMETHING EVERY DAY OR SO. HE TOLD ME THAT HE NEEDED TO PURCHASE A SOFTWARE FROM THE CREDIT AGENCIES, AND HE NEEDED $3000.00 AND I TOLD HIM HELL NO. IF YOU REPAIR CREDIT, AND YOU'RE AS GOOD AS YOU SAID THAT ARE YOU ARE, YOU SHOULD BE ABLE TO GET WHAT YOU NEED. HE CONTUINUE TO TEXT ME TO TELL ME THAT HE HAD RAISED $1500.00. OF COURSE I NEEDED/WANTED MY CREDIT REPAIRED, I ENDED UP SENDING HIM THE REMAINDING $1500.00 ON 03/14/2019. HE'D ALWAYS ASK ME TO PURCHASE GOOGLE PLAY CARDS/AMAZON CARDS. DIDN'T KNOW WHY, AND I DIDN'T QUESTION HIM, DUE TO THE GREAT FEEDBACK THAT I GOT OFFLINE ABOUT HIM. HE IS A SCAM ARTIST. HE TOLD ME THAT MY CREDIT WOULD BE REPAIRED THIS MORNING, AND HE'D TO SEND ME A PDF FILE WITH MY CREDIT REPORT. I SENT HIM A TEXT/ TRIED CALLING HIM BACK ON 03/14/2019 AND I GOT NO RESPONSE. I TRIED SEVERAL TIME. CALLED ON TODAY 03/15/2019, NO RESPONSE...… PLEASE DO NOT USE THIS GUY. HE IS A CROOK. HE'S SENT ME EMAILS, AND I HAVE FORWARD TO OVER TO MY MOM WHOS A FEDERAL JUDGE, AND SHE WILL GET HIM, I PROMISE YOU. HE SCAMMED ME OUT OF $5100.00 KNOWINLY HE WASN'T GOING TO REPAIR MY CREDIT.
JUST FYI. PLEASE DO NOT USE THIS GUY. HE'S A BIG SCAM
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Most of these so called online hackers are imposters, I’ve been ripped off a couple times before i luckily got a reliable contact Dennis Walker. A hacker that works with discretion and does all sorts of hacks, I would prefer to let his services speak for itself, if interested in getting your credit score increased, erasing DUI, breaking into credit bureaus, clearing bankrupcies(depends on amount) etc you can contact him at ghost.maron47@earthlink.net, ghostmaron47@gmail.com or +1 213 394 2451. You surely will thank me!!
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HOW I FIXED MY CREDIT
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