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?

wilson william (not verified)

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Wed, 05/08/2019 - 00:01 Permalink
Susan Shamp (not verified)

I got in a little deep with loans and credit cards after car needed fixing and then broke down and I got a loan for another used car. I am 62 and disabled and don't want to die until I return my credit score to the perfect score it was before my accident. I also was taken advantage of by my "partner" and he uses my credit cards. I don't make much money and on top of being disabled I now have metastatic brain cancer. I start looking for help not until i saw the Spider Web details on a forum. I saw a lot of recommendations from people he helped in the past and i was convince to email him, he helped me raise my score from mid 500 to 750 which I considerd an excellent job I will implore everyone facing challenges with credit scores, credit report,bankruptcy,mortgage issues to reach him on:
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Wed, 05/08/2019 - 02:56 Permalink
David Jones (not verified)

For the past few months have been suffering from getting a loan mortgage because of my bad credit score and negative items, i talked to few people about it but didn’t get any solution . i went online and read through other people comment about this HACKER who have helped so many people.I had no choice than to contact him and explained my problem to him . To my greatest surprise it took him just 72hrs to clear all negative items and also boost my credit score to 800 golden scores. I will advise you all to get to him if you have any credit issues, He’s an expert and he’s the best man for the job. Contact him via his email
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Wed, 05/08/2019 - 08:03 Permalink
jade_khan (not verified)

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Wed, 05/08/2019 - 23:38 Permalink
jade_khan (not verified)

I recently contact the godeye credit repair services and have been especially pleased with my service to date. He is very professional, He also gave me a good customer experience. I joined last week and have had all 3 of my credit reports changed in a POSITIVE manner. I have all my report that is 100% done. He also assist with correcting personal information on my report. Now my credit is currently 829 and over 750 across the three credit bureaus. Once you fix your credit the rest of your life will fall in place. I am very grateful for the godeye and you all can contact him directly if you want your credit fixed. (GODEYEVIEWHACKER at HOTMAIL dot COM OR 443-338-3730).

Wed, 05/08/2019 - 23:39 Permalink
Kevin Black (not verified)

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Thu, 05/09/2019 - 08:05 Permalink
Charles Smith (not verified)

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Thu, 05/09/2019 - 08:45 Permalink
Mattewbadmus (not verified)

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Thu, 05/09/2019 - 09:26 Permalink
Lynette Simpson (not verified)

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Thu, 05/09/2019 - 11:48 Permalink
Sheryl_T (not verified)

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Thu, 05/09/2019 - 14:09 Permalink
Duke Tucker (not verified)

I have been through a lot of credit struggle for the past few months until i came across this credit repairer name Robert Morris through online credit website. He made me realize that its very important to have a good credit score because i just got approved for a mortgage loan worth $140k with a low annual interest rate and just moved in a new apartment with my family after wiping away the past eviction and negative items on my credit report file. Get in touch with him through RobertMorrisCyberService@gmail.com or Give him a text at (657) 222-3404.

Thu, 05/09/2019 - 22:37 Permalink
Duke Tucker (not verified)

I have been through a lot of credit struggle for the past few months until i came across this credit repairer name Robert Morris through online credit website. He made me realize that its very important to have a good credit score because i just got approved for a mortgage loan worth $140k with a low annual interest rate and just moved in a new apartment with my family after wiping away the past eviction and negative items on my credit report file. Get in touch with him through RobertMorrisCyberService@gmail.com or Give him a text at (657) 222-3404.

Thu, 05/09/2019 - 22:38 Permalink
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Fri, 05/10/2019 - 07:45 Permalink
Albert Decoux (not verified)

I have been through a lot of credit struggle for the past few months until i came across this credit repairer name Robert Morris through online credit website. He made me realize that its very important to have a good credit score because i just got approved for a mortgage loan worth $140k with a low annual interest rate and just moved in a new apartment with my family after wiping away the past eviction and negative items on my credit report file. Get in touch with him through RobertMorrisCyberService@gmail.com or Give him a text at (657) 222-3404.

Fri, 05/10/2019 - 10:56 Permalink
Jean Hall (not verified)

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Fri, 05/10/2019 - 11:22 Permalink
Steven Bolton (not verified)

I want to highly recommend Credit Ghost hacker to everyone on this credit site because he really did a great job for me. I hired him to hack into my credit report and erase all the negative items on my report. He helped me to increase my FICO Score to 819 and erase all the negative items on my credit report in 3 working days. Give him a trial and you will surely get amaze about his credit repair work. Contact him at CreditGhostHacker at Gmail dot Com OR Text him via 406-578-8234.

Fri, 05/10/2019 - 13:33 Permalink
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Fri, 05/10/2019 - 14:26 Permalink
Poole Lyons (not verified)

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Fri, 05/10/2019 - 16:23 Permalink
Matheus Yepes (not verified)

Hello I’m Matheus, I live in New York. Our apartment got flooded in January 2019, after I had a slip and fall on the apartment premises. We didn’t have the right rental insurance then the bill came up to 110,000 USD, they asked us to pay but we didn’t have money but we later agreed to pay then we came up with a payment plan and they refused and put an eviction on my credit. I didn’t realize that eviction was on my credit until last month I was trying to buy a house. The Realtor said my credit score is 544 and I’m not qualified for buying my dream house. I needed help and I found Trust Repair on Yelp website, he is a good and kind credit repair hacker. He pulled my score to 788, deleted the eviction and other negatives on my credit. Email him now and have a change TRUSTREPAIRSERVICE@WORKMAIL.COM, +1 407 917 2120.

Fri, 05/10/2019 - 19:55 Permalink
nora reymond (not verified)

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Fri, 05/10/2019 - 22:21 Permalink
eric jon (not verified)

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Sat, 05/11/2019 - 12:14 Permalink
eric jon2 (not verified)

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Sat, 05/11/2019 - 12:41 Permalink
JohnHackathorne (not verified)

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Sat, 05/11/2019 - 16:44 Permalink
JohnHackathorne (not verified)

Get your credit cleaned with the help of a reliable hacker. He's tested and trusted, Credit Expert and i decided to give him a try and he gave me what i want by helping me to increase my credit score from 436 to 750 all what have been looking for years back. I got more experience from him and He also Spy on Whatsapp Messages,Free Update and 100% Undetectable,Track BBM messages and Line messages. Track Internet Browsing History and Read phone Access Address Book,totally worth your money, please no time wasters, he won't under any circumstances work for free, You can get in touch with him by Text (+1 985 441 1527 or email CREDITSPYEXPERT@GMAIL.COM

Sat, 05/11/2019 - 17:38 Permalink
Kate Peter (not verified)

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Sun, 05/12/2019 - 07:11 Permalink
Kate Peter (not verified)

After the death of my husband i sold all property he left for me and my children to set up a flower business but at last the business run down cos i was unable to handle it. i try to apply for B-loan to continue but i was deny due to my low score. So i contact Rich Hacker Who work for my love then and has been a old friend with him for help, he was so happy to hear from me and help me increase my score to 805 Golden One and also introduce me to a loan which i was able to get up 25k dollars with he remove away all bad records also in less then 2 weeks. Sometimes is good to have some believe that there is nothing our Heavenly Father can't do! info to contact is(RicHsKrenTacYbeRserVicE (at) GmAil (dot) CoM or number (440) 459-0850) He's a professional when it comes to hacking job, i ensure you will be happy to show appreciation by recommending him to other just the way i did.

Sun, 05/12/2019 - 08:38 Permalink
Scott Allison (not verified)

I had three past evictions back in 2017 and some negative items on my credit report but when i met Robert Morris. He was the one who increased my credit score to 805 excellent plus and deleted the eviction on my credit report without any physical contact or any traces been found during the hacking process. i just moved into my new apartment with my family and i have no regrets working with him. Email him through RobertMorrisCyberService@GMAIL.COM or Text him via (657) 222-3404.

Sun, 05/12/2019 - 10:21 Permalink
Charlie Alfie (not verified)

Being self-employed is very challenging, however, your income can fluctuate, and there's always the chance that it could sink so low that you can not afford to pay your bills on-time, i totally lost it and it hurt my credit so bad, my score dropped to 563 before i took matters into my own hands by contacting a professional credit repair hacker at ( spiderwebhhack at gmail dot com (669)2005680 ). He cleared my report showing a list of inquiries, collections, existing debts & late payments and upgraded my score to 788 within 72 hours very affordable. I can't thank them enough because of their help as I own my own business now and I promised to take my time to publish this for them when i get results. Obviously my credit is good and i am impressed and grateful to this brain of wisdom.

Sun, 05/12/2019 - 13:56 Permalink
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Mon, 05/13/2019 - 00:39 Permalink
Brain Rich (not verified)

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Mon, 05/13/2019 - 07:13 Permalink
Brain Rich (not verified)

I would love to let you know about this best and legit credit repair services on there info to contact "permanentcreditrepairer@gmail.com" who have been helping people with there problem on there Report and credit score. He also helped me removed all 3 collections on my credit report and increase my credit score, also increase my credit card limit to $7,500. Trust me you won't regret choosing him. he's very Legit and Real

Mon, 05/13/2019 - 08:28 Permalink
Jacqueline Dawson (not verified)

I know a very reliable and credible hacker named Aaron Swartz. He help me increased my credit score and He helped me clear off my negative collections, hard inquiries and derogatory loans from my credit report within 72 hours which was amazing. He also help me clear off my credit card debts within few weeks, He is legit and affordable price. Contact info AaronSwartzCyberServices At Gmail Dot Com Text him at (614) 344-8376

Mon, 05/13/2019 - 11:28 Permalink
ROBIN LIZZY (not verified)

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Mon, 05/13/2019 - 11:45 Permalink
Mary maya (not verified)

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 EXCELLENT.REPAIRER@MAIL.RU
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Mon, 05/13/2019 - 13:25 Permalink
Paul Mason (not verified)

Have you been looking for a credit repairer who can help you to get rid of your negative items and past eviction off your credit report within few weeks? i will gladly recommend you to Guccifer Hacker who has really dominated my credit file with a new credit records and have my credit report been repaired with an outstanding credit rate across the credit agencies report. Send him a mail through GucciferCyberExpert@Gmail.Com or Text via (224) 372-0949.

Mon, 05/13/2019 - 15:57 Permalink
Paul Mason (not verified)

Have you been looking for a credit repairer who can help you to get rid of your negative items and past eviction off your credit report within few weeks? i will gladly recommend you to Guccifer Hacker who has really dominated my credit file with a new credit records and have my credit report been repaired with an outstanding credit rate across the credit agencies report. Send him a mail through GucciferCyberExpert@Gmail.Com or Text via (224) 372-0949.

Mon, 05/13/2019 - 15:57 Permalink
Earl Powell (not verified)

I have a felony on my record and my credit score isn’t the best due to medical bills and college funds. I am trying to rent a new apartment somewhere but to my surprise, i met this hacker who really helped me to accomplish my goals by getting rid of my negative items off my credit report and paid off my outstanding medical bills within 5 working days. Email him at CreditGhostHacker@Gmail.Com or Text him 406-578-8234.

Mon, 05/13/2019 - 16:47 Permalink
Kathy Brown (not verified)

I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.

Mon, 05/13/2019 - 22:31 Permalink
Kathy Brown (not verified)

I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.

Mon, 05/13/2019 - 23:34 Permalink
Frank Wong (not verified)

Things really got so hard on me that i couldn’t be able to purchase a new apartment for my family due to my bad credit records until my cousin introduce me to Robert Morris who assisted me in removing the past eviction, hard inquiries and negative items off my credit report. My FICO credit score went up to 837 across my three credit bureaus report and later got approved for a new apartment in Atlanta. Mail him at RobertMorrisCyberService@Gmail.Com or Give him a text through (657) 222-3404.

Mon, 05/13/2019 - 23:38 Permalink
Kathy Brown (not verified)

I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.

Mon, 05/13/2019 - 23:53 Permalink
Ariana Garcia (not verified)

I have been unable to purchase a home. I had trouble with my credit score. I visited my sister a month ago and she introduced me to OCTOPUS CREDIT SOLUTION. They helped me out very quickly and efficiently always replaying back rapidly to any questions I had. Thanks to octopus credit solution for settling my debts and also removing collections and late payments from my report. I now live in my new home .You can write them today on OCTOPUSCREDITSOLUTION247@GMAIL.COM.

Tue, 05/14/2019 - 09:58 Permalink
Kathy Brown (not verified)

I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.

Tue, 05/14/2019 - 12:06 Permalink
Jasper Goodridge (not verified)

I am writing this to thank ORACLEBASE for re-scoring and restoring my credit! And also to reach out to those who might have similar problems like i did. Email him at ORACLEBASE@SOLUTION4U.COM to fix your credit. In few weeks I will be closing on a house approved by Bank of America (a bank, I might add, that wouldn't even let me open a checking account in 2015!) The house is exactly where and what we wanted. Thanks to the ORACLEBASE team a dream is coming true. My credit scores are now where i want them and my late payments all erased. I feel brand new and going forward will never make the financial mistakes of my past.

Tue, 05/14/2019 - 12:52 Permalink
Roy Alan (not verified)

Do you need a hacker to hire for your negative item and bad credit score, Do you intend to change your school grades? Do you need to keep an eye on your spouse by gaining access to their email then you should contact creditspygenius for your services, have use him and have seen the great job he did for me because i had a very low score last month and negative item but he helped me wipe all my negative item and increase my credit from from 550 to 750 his very amazing with his good work so if you're in need of a hacker to hire you can try him and get a good job done through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Tue, 05/14/2019 - 15:14 Permalink
Hill John (not verified)

I will advise you to get in touch with Rich Skrenta via text number +1(440) 459-0850. If you need to raise your credit score and Remove eviction on your report? He help me out by raising my credit score and delete negative items on my credit report within 60 hours. He also help me pay off my late payment with credit card dept within a short period of time, He is legit and the best in this world with affordable price. Contact info richskrentacyberservice AT gmail DOT com.

Tue, 05/14/2019 - 15:38 Permalink
Hill John (not verified)

I will advise you to get in touch with Rich Skrenta via text number +1(440) 459-0850. If you need to raise your credit score and Remove eviction on your report? He help me out by raising my credit score and delete negative items on my credit report within 60 hours. He also help me pay off my late payment with credit card dept within a short period of time, He is legit and the best in this world with affordable price. Contact info richskrentacyberservice AT gmail DOT com.

Tue, 05/14/2019 - 16:25 Permalink
stephen o'niel (not verified)

PLEASE READ!!!! Hello Guys,This is a Life Time transformation !!! i'm so happy I got mine from mars. My blank ATM card can
withdraw $4,000 daily. I got it from Him last week and now I have $23,000 for free. The blank ATM withdraws money from
any ATM machines and there is no name on it, it is not traceable and now i have money for business and enough money for
me and my family to live on .I am really happy i met mars because i met two people before him and they took my money
not knowing that they were scams. But am happy now.Mars sent the card through DHL and i got it in two days. Get your
own card from him now he is not like other scammer pretending to have the ATM card,he is giving it out for free to help
people even if it is illegal but it helps a lot and no one ever gets caught. I’m grateful to mars because he changed my
story all of a sudden .The card works in all countries except Philippines, Czech Republic and Slovenia,
mars’s email address is Marsdhacker@gmailcom

Tue, 05/14/2019 - 20:39 Permalink