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?

amber james (not verified)

I know a professional hacker who can helps with credit repair service.He has helped me with my credit repair . i was trying to get my own apartment and have been fighting with negative report and student loan i had to move to my friend apartment because i couldn't pay for my rent anymore and she leaves with her family which mean i wont be staying for long so i had to contact a hacker through the help of her husband we both spoke to the hacker and he assure us my credit score will be resolve and i should have faith so i gave him all my details and he help me with my credit score within 3 days he deletede all my negative report and raise my score to 750 he also pay my loan on my student loan am so happy to meet him have introduce him to my friends in need of him and they have never regret working with him you can try him if you need a good hacker for your good job through his him CREDITSPYGENIUS AT GMAIL DOT COM.

Wed, 05/29/2019 - 12:32 Permalink
amber j (not verified)

I know a professional hacker who can helps with credit repair service.He has helped me with my credit repair . i was trying to get my own apartment and have been fighting with negative report and student loan i had to move to my friend apartment because i couldn't pay for my rent anymore and she leaves with her family which mean i wont be staying for long so i had to contact a hacker through the help of her husband we both spoke to the hacker and he assure us my credit score will be resolve and i should have faith so i gave him all my details and he help me with my credit score within 3 days he deletede all my negative report and raise my score to 750 he also pay my loan on my student loan am so happy to meet him have introduce him to my friends in need of him and they have never regret working with him you can try him if you need a good hacker for your good job through his him CREDITSPYGENIUS AT GMAIL DOT COM.

Wed, 05/29/2019 - 15:03 Permalink
Robindaigle (not verified)

Hello am Robin Daigle, Do you need to clear all negatives on your record, You need to apply for a loan and increase your credit score, i strongly recommend you to contact jackcraigcreditrepairer@gmail.com ,i just got my score increased from 420 to 792 excellent score and all my negative collections removed from my credit report within 5 days and his fee is affordable. You can reach him on (+1 413 529 4026).

Wed, 05/29/2019 - 15:10 Permalink
Sandra Will (not verified)

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Wed, 05/29/2019 - 15:31 Permalink
Sandra William (not verified)

t’s so Crazy, I have met a lot of fraudsters claiming to be hackers but kept ripping me off money, not until I came across marianatrenchtech brought me out of my mystery and reuniting my husband back to me, it's a great relief. Why not tell your situation to this hacker, he just might be your savior also. He saved my home that's the reason why am recommending him to you. Besides,I guess he does other hacking services also like increasing FICO score as well. If you have a serious situation am sure he will help you out. Tell him i referred you
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Wed, 05/29/2019 - 15:32 Permalink
CHARLIE NOVEMBER (not verified)

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Wed, 05/29/2019 - 15:33 Permalink
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Wed, 05/29/2019 - 15:35 Permalink
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Wed, 05/29/2019 - 20:19 Permalink
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Wed, 05/29/2019 - 22:47 Permalink
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Thu, 05/30/2019 - 02:19 Permalink
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Thu, 05/30/2019 - 03:22 Permalink
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Thu, 05/30/2019 - 07:41 Permalink
robindaigle9@g… (not verified)

Hello am Robin Daigle, Do you need to clear all negatives on your record, You need to apply for a loan and increase your credit score, i strongly recommend you to contact jackcraigcreditrepairer@gmail.com ,i just got my score increased from 420 to 792 excellent score and all my negative collections removed from my credit report within 5 days and his fee is affordable. You can reach him on (+1 413 529 4026).

Thu, 05/30/2019 - 07:57 Permalink
Jean Blade (not verified)

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Thu, 05/30/2019 - 09:59 Permalink
Jean Blade (not verified)

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Thu, 05/30/2019 - 10:40 Permalink
Lee Adams (not verified)

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Thu, 05/30/2019 - 11:30 Permalink
Angela Simpson (not verified)

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Thu, 05/30/2019 - 13:44 Permalink
Nathan Mcdonald (not verified)

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Thu, 05/30/2019 - 17:18 Permalink
Sam Woodwock (not verified)

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Thu, 05/30/2019 - 21:17 Permalink
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Fri, 05/31/2019 - 05:05 Permalink
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Fri, 05/31/2019 - 08:41 Permalink
Stanley Phyllis (not verified)

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Fri, 05/31/2019 - 12:30 Permalink
Taylor Edward (not verified)

For a long time now, I have been wondering how I can boost my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my money. But presently, I can now boost of a home and a good living because of HACK WIZARD. I am grateful to my a friend who referred him to me and also thankful to HACK WIZARD for a discreet service offered to me. He did not just remove the negatives on my report, but also, increased my score from a low 535 to 789 within just 4days. Contact him at CYBERWIZARD1995@gmail.com Whatsapp: +1 662 727 5740

Fri, 05/31/2019 - 14:37 Permalink
Stanley Phyllis (not verified)

I work Frequently very hard for two years to make sure my score get increase back from 460 to 700 above, now i'm Exhausted of working without seeing any improvement, So i try to contact this very know Hacker i meet on internet on there fast communication mail : PERMANENTCREDITREPAIRER@GMAIL.COM. He decided to help me and make my score up to 820 without any delay and took away bad collections and replace it with excellent collections.

Fri, 05/31/2019 - 14:57 Permalink
Beaty Blackaxe (not verified)

Mckillon is the best bet for all hacking jobs. Recently, I wanted a hacker to fix my credit report. But other hackers played me before my friend introduced me to MCKILLONREPAIRSERVICE@WORKMAIL.COM He his for real and once again the best .I am over joy to use his service. It’s all gud. When I had the need to contact him; He quickly attend to my job with prompt and took care of issue right away. Contact him email at MCKILLONREPAIRSERVICE@WORKMAIL.COM or mail.com. Email him now and have your credit fixed in a relatively short period. He can fix a Chesxsystem and a DUI report as well. You can thank me later.You can also reach his cell +1 442-221-0547

Fri, 05/31/2019 - 21:10 Permalink
TALENTED HACKERS (not verified)

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Fri, 05/31/2019 - 21:15 Permalink
Kaesha Waller (not verified)

Thankful i have this opportunity. Now, i don’t really know how to thank this person but for sure i’m going to do what i promised which is, post this if he really did what he said he would. He erased my student loans and increased my credit scores to 796 all the way from 540 and you can’t imagine how happy i am. This person is a hacker and I’m going to make him my personal hacker for life. You can reach him at firewallbreachexpert (AT)gmail(DOT)com

Sat, 06/01/2019 - 01:51 Permalink
Riley Mason (not verified)

My scores are still rising!! Equifax- 200 points, Transunion 160, and Experian 215 points. My scores started at 493, 526, and 537. I'm going to keep saying it over and over again. I can remember when i wanted to buy a home my Trans-union score was 520. I applied for an AMX card to increase my score but was rejected because my FICO score with Experian was only 531. I took out a high interest loan on a new car and made triple payments and paid it off in one year the same as I did on my last four cars over the last ten years. My Experian FICO score dropped to 520. I have to check myself what I have done wrong? I was so penalized! I then contacted the hacker ( Spiderwebhhack at GMAIL dot COM ) on this same page to help me correct this since he had helped a lot of people according to their testimonies and to my surprise, he has done an amazing job. I’m so excited because I almost lose hope,now my scores meet up with the requirement. This is really great, thanks again Spider Web. You can also text him (669)2005680...that worked for me

Sat, 06/01/2019 - 02:50 Permalink
Riley Mason (not verified)

My scores are still rising!! Equifax- 200 points, Transunion 160, and Experian 215 points. My scores started at 493, 526, and 537. I'm going to keep saying it over and over again. I can remember when i wanted to buy a home my Trans-union score was 520. I applied for an AMX card to increase my score but was rejected because my FICO score with Experian was only 531. I took out a high interest loan on a new car and made triple payments and paid it off in one year the same as I did on my last four cars over the last ten years. My Experian FICO score dropped to 520. I have to check myself what I have done wrong? I was so penalized! I then contacted the hacker ( Spiderwebhhack at GMAIL dot COM ) on this same page to help me correct this since he had helped a lot of people according to their testimonies and to my surprise, he has done an amazing job. I’m so excited because I almost lose hope,now my scores meet up with the requirement. Thanks again Spider Web text (669)2005680

Sat, 06/01/2019 - 03:36 Permalink
brittany williams (not verified)

For good 3 months i have been in a mess due to my bad credit. I wasn't granted any loan or mortgage but thankfully i met a hacker guru Maldonado through several recommendations on Google who helped me upgrade my credit score and fixed my credit report in a very short time. He works with discretion and delivers efficiently without charging outrageous fees. Now I'm typing from the comfort of my home all thanks to him ….You all can contact him through his mail account Maldonadowizard@techie.com Email him now and have your credit fixed in a relatively short period. He can fix a Chesxsystem and a DUI report as well. You can thank me later.You can also reach his cell +1 703-239-3167

Sat, 06/01/2019 - 11:26 Permalink
Jennifer Smith (not verified)

He is so legit I have confirmed it,Spys Deamon will help you fix any kind of credit issues.Contact him through his email Address:(SPYSDEAMON@USA.COM) or text him +16196307361.My church member introduced me to him and I got in touch with him , He help me increase my credit score to 800 excellent plus and He helped me remove
eviction from my credit report within 72 hours. He also helped me clear off my two credit card debts within some few weeks,He's real, fast,reliable and affordable price.

Sat, 06/01/2019 - 11:41 Permalink
Jennifer Smith (not verified)

He is so legit I have confirmed it,Spys Deamon will help you fix any kind of credit issues.Contact him through his email Address:(SPYSDEAMON@USA.COM) or text him +16196307361.My church member introduced me to him and I got in touch with him , He help me increase my credit score to 800 excellent plus and He helped me remove eviction from my credit report within 72 hours. He also helped me clear off my two credit card debts within some few weeks,He's real, fast,reliable and affordable price.

Sat, 06/01/2019 - 11:43 Permalink
JOSH64 (not verified)

HIRE AN ONLINE CREDIT EXPERT TO IMPROVE YOUR
CREDIT.
I had credit scores of 507(transunion) 527(Equifax) in June. I applied for loan in July when I desperately needed to get a house for my wife and kids but was not approved because of my low FICO scores. Out of desperation i started looking for help and I came across a post about a professional credit expert called (aceteamhackers@gmailcom). This man magically boosted my FICO score to 790+ within 1 week across all 3 credit bureaus and I was approved within a week. I still have my scores at 782 because it is a permanent process. I am so happy i found him and i will recommend ONLY him to anyone in need of such services.

Sat, 06/01/2019 - 14:38 Permalink
elvis turner (not verified)

A childhood friend of mine shared a testimony of him working with an ethical hacker he met on an IT web forum and how professional he is, so i told him to link me up with the hacker. Then i gave him a job to hack my cheating wife's iphone because i suspected infidelity which was confirmed. I was sad but glad i discovered this at a very early stage before it gets too late. I also gave a friend the hacker's contact and he did the job of increasing his credit score and removing eviction off his record. So contact this professional hacker via email on WEBSTAR@HACKERMAIL.COM for issues concerning hacking. You won't be disappointed.

Sat, 06/01/2019 - 17:21 Permalink
sandra phills (not verified)

Hello everyone please note that some of these so called hackers are imposters, I have been ripped off my money , i am thankful to my friend who gave me a relaible contact, he works with discretion and delivers, he does all sort of hackings, (unrestricted and unnoticeable access to your partner/spouse phone and PC). i will prefer to let his services speak for itself. you can contact him through his mail account (MCKILLONREPAIRSERVICE@WORKMAIL.COM) His cell +1 442-221-0547 . he will also help you to hack and change university grades.

Sat, 06/01/2019 - 23:20 Permalink
Tom Gilbert (not verified)

Do you need the best hacking services in the world? I’m very sure you can get anything done and fix up within 72 hours. They are specialize in
*Eviction Removal
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Sun, 06/02/2019 - 02:00 Permalink
Susan Shamp (not verified)

Thank you so much I found your post very useful. I contacted Spiderweb to help with my credit report he did an incredible work in 72hours. I implore anyone in urgent need of a ethical hacker to contact SPIDER WEB via text or email spiderwebhhack at gmail dot com (669)2005680 he is reliable, affordable and efficient. I am a living witness to this brain of wisdom, Susan.

Sun, 06/02/2019 - 07:07 Permalink
Thomas Plukers (not verified)

I had about 11 items removed from my credit report, and i got approved to buy my first home. He works with discretion and delivers efficiently without charging outrageous fees. Now I'm typing from the comfort of my home all thanks to him ….You all can contact him through his mail account mckillonrepairservice@workmail.com. Email him now and have your credit fixed in a relatively short period.

Sun, 06/02/2019 - 10:06 Permalink
Jameslincoln (not verified)

Greetings everyone, Welcome to the month of June. My heartfelt gratitude goes out to XYLO CREDIT for the time spent fixing my bad credit. I am very happy seeing my credit score increase so significantly from 400 to 800 within 15 days. It’s unbelievable and simply amazing. The good service I earned from them rebuilt my credit. Never, has my credit score experienced such magnificent treat in the past years. I highly recommend XYLO CREDIT to everyone! Get in contact with them today and get excited having a good credit email or text (XYLOCREDIT@GMAIL.COM, +1 346 277 9351) James Lincoln.

Sun, 06/02/2019 - 10:41 Permalink
shelby (not verified)

I’m so delighted because FEMALEHACKERZ1 AT GMAIL DOT COM help me fix my credit report with a marvelous way, SHe help me pay off my HELOC debt of $245,000 and She fixed my credit scores up to 790 in just 3 work days. She also help me pay off my credit card debts sum of $85,000 within few weeks, She put everlasting smiles on my face again. She is legit, fast and affordable price, Contact info FEMALEHACKERZ1 At Gmail Dot Com

Sun, 06/02/2019 - 12:41 Permalink
shelby (not verified)

I’m so delighted because FEMALEHACKERZ1 AT GMAIL DOT COM help me fix my credit report with a marvelous way, SHe help me pay off my HELOC debt of $245,000 and She fixed my credit scores up to 790 in just 3 work days. She also help me pay off my credit card debts sum of $85,000 within few weeks, She put everlasting smiles on my face again. She is legit, fast and affordable price, Contact info FEMALEHACKERZ1 At Gmail Dot Com

Sun, 06/02/2019 - 12:41 Permalink
Susan Shamp (not verified)

Thank you so much I found your post very useful. I contacted Spiderweb to help with my credit report he did an incredible work in 72hours. I implore anyone in urgent need of a ethical hacker to contact SPIDER WEB via text or email spiderwebhhack at gmail dot com (669)2005680 he is reliable, affordable and efficient. I am a living witness to this brain of wisdom, Susan.

Sun, 06/02/2019 - 18:17 Permalink
Gerard Victor (not verified)

Say No to Unbelievable! Let me introduce this Believable Hacker and who you can commit your life to without any doubt his name is call Rich Skrenta. He save my life from debt of hood amount sum of 25,000$ and also clear my credit card of $5000 limit in just 5 days. He made me a man again thanks a lot and i promise to be forever grateful of his hand work! Get him on his reliable internet site at : RICHSKRENTACYBERSERVICE AT GMAIL DOT COM. He's 100% Legit

Mon, 06/03/2019 - 04:11 Permalink
malik troother (not verified)

My name is Malik from Sante Fe, NM. I will forever be grateful to Trust Repair for making my life better than before I met him! I really don't do this but I just have to share this to let the world know how happy and revived I am. He's so real and at the same time the best of all. Don't let me talk too much, get in-touch with him via email TRUSTREPAIRSERVICE@WORKMAIL.COM, +1 407 917 2120 and experience his good work. He raised my FICO Score, deleted all the negatives on my credit report and made it to my desire!!! Thanks again for not letting me down.

Mon, 06/03/2019 - 10:07 Permalink
Kimberly Ford (not verified)

Aaron Swartz is the best man I can refer you to. He help me increase my credit score to 831 excellent and He help me delete negative collections on my credit report within 72 hours. He also help me pay off my credit card debts of $8,500 within few weeks, He is legit, fast and affordable price. Contact info AaronSwartz cyber services At Gmail Dot Com

Mon, 06/03/2019 - 11:30 Permalink
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Mon, 06/03/2019 - 12:48 Permalink
cnythia ryan (not verified)

Most times when i see people complain of what they go through due to their bad or low credit score I will sit back and give thanks to credit spy genius have been going though a bad score those days and I totally understood how bad the situations was and on bearable .couldn't entitled to get my own apartment and bank also denied me to get access for any credit card i kept trying my best to make it right but nothing was working right for me until i contacted creditspygenius and he helped me erase all my bad score he also helped me have access to the credit cards have been aspiring for and i got my own apartment i was so happy to contact him you can contact him if you want to raise your credit score through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Mon, 06/03/2019 - 13:00 Permalink
cynthia ryan (not verified)

Most times when i see people complain of what they go through due to their bad or low credit score I will sit back and give thanks to credit spy genius have been going though a bad score those days and I totally understood how bad the situations was and on bearable .couldn't entitled to get my own apartment and bank also denied me to get access for any credit card i kept trying my best to make it right but nothing was working right for me until i contacted creditspygenius and he helped me erase all my bad score he also helped me have access to the credit cards have been aspiring for and i got my own apartment i was so happy to contact him you can contact him if you want to raise your credit score through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Mon, 06/03/2019 - 13:14 Permalink
cynyhia ryan (not verified)

Most times when i see people complain of what they go through due to their bad or low credit score I will sit back and give thanks to credit spy genius have been going though a bad score those days and I totally understood how bad the situations was and on bearable .couldn't entitled to get my own apartment and bank also denied me to get access for any credit card i kept trying my best to make it right but nothing was working right for me until i contacted creditspygenius and he helped me erase all my bad score he also helped me have access to the credit cards have been aspiring for and i got my own apartment i was so happy to contact him you can contact him if you want to raise your credit score through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Mon, 06/03/2019 - 13:15 Permalink
cynthia ryan (not verified)

Most times when i see people complain of what they go through due to their bad or low credit score I will sit back and give thanks to credit spy genius have been going though a bad score those days and I totally understood how bad the situations was and on bearable .couldn't entitled to get my own apartment and bank also denied me to get access for any credit card i kept trying my best to make it right but nothing was working right for me until i contacted creditspygenius and he helped me erase all my bad score he also helped me have access to the credit cards have been aspiring for and i got my own apartment i was so happy to contact him you can contact him if you want to raise your credit score through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Mon, 06/03/2019 - 13:30 Permalink