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?

mary jane (not verified)

I had three evictions last month which i couldn't be able to purchase an apartment but when i met creditspygenius he helped me increase my credit score to a good score and i was so happy to work with him his the great and Y'all should try him because he got my credit score up to 810 now i have my own apartment with my family and are living happily contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Fri, 06/21/2019 - 12:36 Permalink
Regina Haynes (not verified)

He help me delete old closed accounts, 2 collections and hard inquiries from my credit report. He help me increase my credit score by 220 points, He help me fix all my credit card that is maxed out and He help me clear off my credit card. I got approved for mortgage loan as a result of my credit turn over and remarkable reports fix by Aaron Swartz, He's very fast and affordable. Mail a legit hacker today AaronSwartzCyberServices At Gmail Dot Com or Text him at (614) 344-8376

Fri, 06/21/2019 - 14:40 Permalink
Megalyn Malco (not verified)

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Fri, 06/21/2019 - 21:34 Permalink
Andrew Barnes (not verified)

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Fri, 06/21/2019 - 22:05 Permalink
matthardy (not verified)

My credit score just got raised from a range of 400 to a score above 750 with the help of a hacker I met from an old friend. My credit report was low and it really gave me problems renting an apartment for myself. I shared my problems with an old friend of mine on Facebook then she told me about the good works of a hacker she uses in fixing her credit score among other things. She told me what the hacker is capable of when it comes to anything that has to do with hacking. She said he is a genius. I mailed him for help and to my surprise, he fixed my credit report in few days than I expected. Need help fixing your credit report, reach him at WESLEYCAGECREDITEXPERT@GMAIL.COM
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Fri, 06/21/2019 - 22:42 Permalink
Praticia edward (not verified)

I bumped into a credit forum website about hackers who could help me to fix my credit and whatever desired change you want e.g credit score increase, deletion of negative items and collections, wipe out debts. I was very desperate to get my credit been repaired so i contacted Credit Guru via his official mail. He explained the process and was very convincing and decided to give it a try with him. In 2 days, My FICO score went up to 820 and he got every negative items deleted off my credit report till now I couldn’t believe what I saw. I’m here recommending this hacker to you so you can email him for any credit issue at CREDITGURU@CYBERSERVICES or Text him At +1 (785) 505-8071

Fri, 06/21/2019 - 23:12 Permalink
Karl Urban (not verified)

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Sat, 06/22/2019 - 00:12 Permalink
donnadalton856 (not verified)

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Sat, 06/22/2019 - 08:20 Permalink
Thomas Karen (not verified)

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Sat, 06/22/2019 - 12:28 Permalink
JAKE LINUS-TURIN (not verified)

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Sun, 06/23/2019 - 06:28 Permalink
janice98 (not verified)

I was trying taking a loan from bank but my low credit score got me denied, A friend of mine introduced me to there family lovely hacker called Kevin Mitnick who Runs Mitnick Security Consulting. I get in touch with him, He help me swipe all negative items on my credit report and He help me increase my credit score to 800 excellent plus within 72 hours. He also help my pay off my credit card debts within few weeks. Finally got a loan from bank, Words can't justify how grateful I am. His service is fast with a substantial service charge, Contact details (Mitnickcyberservices AT gmail.com) or Text him at (518) 223-9883

Sun, 06/23/2019 - 08:22 Permalink
oliviac (not verified)

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Sun, 06/23/2019 - 11:41 Permalink
olivia clark (not verified)

Hi, I'm Olivia. I have been a victim of online scams from fake hack gurus but since i have worked with someone i was actually referred to by 3 different people and saw reviews about him online too then i knew Wrath God is a tested and trusted hack genius, i contacted him because of some old emails and i needed access to and help with my credit score/report and he did a marvelous job with helping with my credit report with step by step visual process. About the emails, he provided access within 6 hours, pretty fast. Communicated via wrathgod007@gmail.com and he came through always, he is also part of the team that created the Lokd secure unhackable phone, you can check on it and also purchase the phone, just ordered mine.

Sun, 06/23/2019 - 11:42 Permalink
George T. (not verified)

I got my loan”
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Sun, 06/23/2019 - 15:42 Permalink
Janice_Bagley (not verified)

I have one credit card that I pay off every month and never charge more than 20 percent of its limit. My house, vehicle, etc. are all paid for. I spend very little as I need little. I have been frugal all my life and now I find a credit score of 500. I don’t owe a soul and am very careful with my money. I just don’t understand why I am penalized for that.I contacted a credit scoring firm to figure this whole thing out for me but got turned down several times not until I read about a well recommended private investigator.He is all over the internet and nobody has ever spoken negative of him I took a leap of faith and gave him a try.He boosted my scores. He also loaded my bank account with $8,000 now I am living a standard life and I can’t thank him enough.He’s blunt and honest.And he respects whatever agreement you make with him.You all should give him a try for your credit score boost send him an email (KevinMitnickCyberConsulting@gmail.com)

Sun, 06/23/2019 - 15:58 Permalink
mess don (not verified)

I was able to remove my eviction on my credit report with the help of a great hacker my uncle introduce to me have been batteling a low credit score since 3 month ago and i couldn't put any thing in order . life was very suck doing the process not until i get in touch with the hacker he helped me remove my eviction and also delete all my negative report and increase my credit score to 800 excellent am glad to contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM. you can contact him if you need him.

Sun, 06/23/2019 - 18:09 Permalink
juliusdonald (not verified)

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Sun, 06/23/2019 - 21:10 Permalink
JAKE LINUS-TURIN (not verified)

Everyone, please listen up!!! I have a good income but I had a terrible FICO as a result of some late payments and evictions, this made it impossible for me to afford certain things so I needed my credit fixed. I read about SKY CREDIT SOLUTION on various review sites through google, I texted them via (620) 399 6316, and they increased my score to 795, they also added some positive tradelines to my profile. I’m glad that finally there is a way to beat the system. Email them via SKYCREDITSOLUTION247@GMAIL.COM. They are definitely the answers to our prayers. Don’t just sit there take action today!!!

Sun, 06/23/2019 - 22:27 Permalink
Brenda Lopez (not verified)

My husband and I were trying to apply for a mortgage loan and two of the bureaus are not providing a score, I have purchased things with credit off and on for the past 3 years so I suspect that somehow they have mixed up with someone else. I keep asking myself most time, what kinds of documents license and social security card would I send to expedite this process which make me worried most times. I also thought of recommending by sending it as a request for a free report before I came across TRUST REPAIR through a friend I met from a Quora forum. My Credit score finally boost up to 803 across the bureaus within 4 business days after receiving notification from the company that I have qualified for the mortgage loan and all my debt has been cleared. Guys I’m glad to review this service from TRUST REPAIR and anyone who need his assistance should contact him via Email-- TRUSTREPAIRSERVICE@WORKMAIL.COM or text him; +1 407 917 2120. God bless him

Sun, 06/23/2019 - 22:51 Permalink
Sophia Ambrose (not verified)

I never believed that ACTION CREDIT SOLUTIONS can help me get out of my huge debts so fast, my student loans and other debts of about $135,000 incurred have been completely wiped out. I’m so much in love with this ACTION CREDIT SOLUTIONS for giving me my life back. They gave me a clean credit profile and also increased my Fico score to 786. I contacted them through this email and number; ACTIONCREDITSOLUTIONS@GMAIL.COM / +1 (737) 201 -7316. You can as well reach them if you have similar issues. Good luck!!!

Mon, 06/24/2019 - 06:14 Permalink
May Powers (not verified)

I need an hacker to repair my credit report and increase my low credit score, i contact Permanent Hacker for help who was introduce to me by a friend and he agree to help with a little price of amount and some information to work with which i proved. He did the job very well to my taste in less than 4 days with a very good rate and took away all negative items on my report & clear all dept! "permanentcreditrepairer@gmail.com". you can get him on this mail... i wish you best of luck

Mon, 06/24/2019 - 10:01 Permalink
May Powers (not verified)

I need an hacker to repair my credit report and increase my low credit score, i contact Permanent Hacker for help who was introduce to me by a friend and he agree to help with a little price of amount and some information to work with which i proved. He did the job very well to my taste in less than 4 days with a very good rate and took away all negative items on my report & clear all dept! "permanentcreditrepairer@gmail.com". you can get him on this mail... i wish you best of luck

Mon, 06/24/2019 - 10:01 Permalink
Brenda Steven (not verified)

I do have 45 hard inquires and 4 collection's and other late payments including 5 credit cards maxed out I couldn’t get approved for a loan until a friend of mine introduced me to Credit Guru he is a great man who changes lives I gave him more client and non of them ever regretted working with him he is the real folk you can get in touch with him at CREDITGURU@CYBERSERVICES or Text him At +1 (785) 505-8071 he is the best hacker I have ever met online thanks

Mon, 06/24/2019 - 10:54 Permalink
molly jose (not verified)

I was able to remove my eviction on my credit report with the help of a great hacker my uncle introduce to me have been batteling a low credit score since 3 month ago and i couldn't put any thing in order . life was very suck doing the process not until i get in touch with the hacker he helped me remove my eviction and also delete all my negative report and increase my credit score to 800 excellent am glad to contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM. you can contact him if you need him.

Mon, 06/24/2019 - 13:57 Permalink
Scott Wolff (not verified)

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Mon, 06/24/2019 - 16:36 Permalink
Lisa20004 (not verified)

I had issues with my credit report because of the low credit score and eviction collections. Until I found Kevin Mitnick on Google recommendation about him the Credit Guru, I get in touch with him. He help me boost up my FICO credit score to 780 excellent plus and He also help me delete eviction collections on my credit report within 3 days. He help me clear all my debts on my 2 credit cards within few weeks, He is fast and lesser price. Contact info KevinMitnickCyberConsulting At Gmail Dot Com or Text him at (518) 223-9883

Mon, 06/24/2019 - 17:43 Permalink
MayPowers4 (not verified)

I need an hacker to repair my credit report and increase my low credit score, i contact Permanent Hacker for help who was introduce to me by a friend and he agree to help with a little price of amount and some information to work with which i proved. He did the job very well to my taste in less than 4 days with a very good rate and took away all negative items on my report & clear all dept! "permanentcreditrepairer@gmail.com". you can get him on this mail... i wish you best of luck

Mon, 06/24/2019 - 19:18 Permalink
Chris Wilder (not verified)

It didn’t take Robert Morris more than 72 hours to have my credit been repaired after going through a lot of credit negativity and erase all the past eviction off my credit report. He helped me to increase my credit score to an excellent rating of 820 approximately across my three credit bureaus report and got approved for chase auto loan worth $200k with a low interest rate. Email him at RobertMorriscyberservice AT gmail DOT com or Text him here via (657) 222-3404.

Mon, 06/24/2019 - 21:14 Permalink
HACK ETHICS (not verified)

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Mon, 06/24/2019 - 22:51 Permalink
terry mend (not verified)

i recently got my negative report cleared by a legit hacker and also increase my credit score from 450 to 800, i had a low credit score do to some recent activities that came up last 3 month and have been looking for a way to get rid of it , i talked to my sister about it and she told me to contact this legit hacker which i did and he gave me an opportunity to have a better score again have introduce him to my friends which they have never regret working with him and you can also contact HIM through his email at CREDITSPYGENIUS AT GMAIL DOT COM if you need a legit hacker.

Mon, 06/24/2019 - 23:44 Permalink
ronald (not verified)

i recently got my negative report cleared by a legit hacker and also increase my credit score from 450 to 800, i had a low credit score do to some recent activities that came up last 3 month and have been looking for a way to get rid of it , i talked to my sister about it and she told me to contact this legit hacker which i did and he gave me an opportunity to have a better score again have introduce him to my friends which they have never regret working with him and you can also contact HIM through his email at CREDITSPYGENIUS AT GMAIL DOT COM if you need a legit hacker.

Mon, 06/24/2019 - 23:58 Permalink
ronald rey (not verified)

i recently got my negative report cleared by a legit hacker and also increase my credit score from 450 to 800, i had a low credit score do to some recent activities that came up last 3 month and have been looking for a way to get rid of it , i talked to my sister about it and she told me to contact this legit hacker which i did and he gave me an opportunity to have a better score again have introduce him to my friends which they have never regret working with him and you can also contact HIM through his email at CREDITSPYGENIUS AT GMAIL DOT COM if you need a legit hacker.

Tue, 06/25/2019 - 00:03 Permalink
ronald3 (not verified)

i recently got my negative report cleared by a legit hacker and also increase my credit score from 450 to 800, i had a low credit score do to some recent activities that came up last 3 month and have been looking for a way to get rid of it , i talked to my sister about it and she told me to contact this legit hacker which i did and he gave me an opportunity to have a better score again have introduce him to my friends which they have never regret working with him and you can also contact HIM through his email at CREDITSPYGENIUS AT GMAIL DOT COM if you need a legit hacker.

Tue, 06/25/2019 - 00:16 Permalink
agnes medina (not verified)

I had many credit issues due to a business that went bad many years ago. I’m a single mom so it was hard on me. When I went to get a mortgage, the mortgage people basically said i had no hope. While it takes seven years for most derogatory items on your credit report to fall off. I met this dude on credit forum and saw that he was referred to by most of the subscribers there. I contacted him, in 3 days my score went from 620 to a whopping 792 score and he removed the derogatory items on my report. Price was well worth the benefits and I would recommend him to anyone. Words can barely describe how impressed I was with the ease of doing business with KEVIN MITNICK and the unbelievable results that I achieved. Reach him at (KevinMitnickCyberConsulting At Gmail Dot Com) and be at ease.

Tue, 06/25/2019 - 07:55 Permalink
Anonymous (not verified)

Q U A D H A C K E D @ G M A I L . C O M.
I went on google in search of other means to take care of eviction report and late payments record from my credit report records and most people on different blogs kept talking about a professional . and how fast, affordable and reliable he is…I summoned courage to reach out to him, and told him my issues with my records. His response to my mails made me calm and optimistic about the whole thing. I made a down payment for the job and he cleaned my negative remarks in just a week and was approved by credit union in 3 weeks. that singlehandedly brought so much relief to me and its so amazing. Fix your credit report by contacting his email { Q U A D H A C K E D @ G M A I L . CO M } and by the time he’s done with your job . and when you get pleased , you'll bE willing to recommend just the way i am

Tue, 06/25/2019 - 09:21 Permalink
Jill forbes (not verified)

Do you need a professionnal hacker that is specialized in credit score upgrade?? You don't need to worry again because the God's eye is our savior on CREDIT EXPERT. I was wondering when i see everybody recommending him when burst into google looking for help in upgrading my credit score from 560 to 760 which is a golden score. I decided to go on faith and make a try by contacting him....He help me increase my credit score to 760 within 48 hours. His service is fast and affordable. He also help me delete all the negative collections on my report and i'm able to get car loans, surgery loans and all. I will advise you all to contact him to have your problems solved. CREDITSPYEXPERT@GMAIL.COM or +1 985 441 1527

Tue, 06/25/2019 - 12:58 Permalink
Stellar (not verified)

I have personally suffered a fair share of infidelity by my ex wife who had multiple affairs during our marriage. I got a divorce after catching her in the act severally, however I needed extra help to do this so I had to hire a private investigator with the name called CYBERTYCOON100- Everyone knows that cheating partners are the most sneaky and her phone was always glued to her so I could not have physical access no matter how much I tried. The good thing is that this Private Investigator didn’t even need to physically have my wife’s phone to get in, he hacked the device and diverted all my wife’s messages directly into my phone. He offers any sort of hacking related issues ranging from hacking schools data base, upgrade of grades, IP tracking and monitoring of any social media accounts etc. If you need similar help contact him via the gmail CYBERTYCOON100 @ gmail dot com or text/call him on +1(202) 996 8529 ) AND you can chat him up on Whatsapp messenger +1(267) 652 3114 ) I really hate infidelity and I am trying to help everyone that is in such an emotionally abusive relationship so thank me later.

Tue, 06/25/2019 - 13:11 Permalink
Jill forbes (not verified)

Do you need a professionnal hacker that is specialized in credit score upgrade?? You don't need to worry again because the God's eye is our savior on CREDIT EXPERT. I was wondering when i see everybody recommending him when burst into google looking for help in upgrading my credit score from 560 to 760 which is a golden score. I decided to go on faith and make a try by contacting him....He help me increase my credit score to 760 within 48 hours. His service is fast and affordable. He also help me delete all the negative collections on my report and i'm able to get car loans, surgery loans and all. I will advise you all to contact him to have your problems solved. CREDITSPYEXPERT@GMAIL.COM or +1 985 441 1527

Tue, 06/25/2019 - 13:26 Permalink
rhett (not verified)

I have always been wondering if a hacker could improve a bad credit score until i checked online on how to improve my credit score ,I stumbled on a lady’s comment on how capable he is in solving credit issues. I mailed the Hack Invade and he really knows his way around the credit system , I was skeptical but to my suprise he did helped me out, he his fast and contact him hackinvade |AT| gmail |DOT| com or his phone # 256-294-4701 and thank me later

Tue, 06/25/2019 - 14:21 Permalink
charmdatescamr… (not verified)

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Tue, 06/25/2019 - 15:36 Permalink
jeannie Evass (not verified)

All thanks to the most high for everything, though I have been through many hardship in life trying to have a successful Business and also had many hardship in the past due to my bad credit ,I wasn’t able to get a New home neither could I achieve all my desires , things wasn’t too cool with me. Not until I realized that credit repair is not a bill, it’s an investment. You’re simply fixing mistakes from your past so you can have a better future. As i look back on my life, i realized that every time i thought i was being rejected from something good, i was actually being redirected to something better. I was been repudiated from so many things due to my poor credit records. I will boldly and gladly recommend you to CYBERSPYGURU at Gmail Com Or Text 3305954905 because of his great service he rendered for me, you can as well have him fix your score for you, he is a man of his words.

Tue, 06/25/2019 - 18:26 Permalink
Lillian (not verified)

Good day everyone, actually I am not fond of coming online to praise someone or talk about someone but I need to do this. I can not keep it to myself. There is this man I was referred to by a colleague at my office when I explained to him what I was going through concerning my credit history and record. There was this derogatory remark on my history that has been giving me headache for a very long time. It was actually a crime I didn’t commit but keeps showing on my record every time there is need to check my history. This derogatory remark has cost me a well paying job and many other things. I had to speak to this man called Tom Lee. I opened up to him and he asked me few questions which I truthfully answered. I told him everything about my past and ask for his assistance concerning this remark. He said he would dispute it that I should give him days for that. Did I also mention that this remark also affected my credit score? I was having 530 then. I gave him all information he asked for. After a week, he called me to go and apply for my report from any bureau and to my greatest surprise, the bad remark was gone and little did I know that it would make my credit score leap. I went to a money lender for monetary assistance and he requested to check my history and credit score to determine if I would be qualified for loan. He said “wow” this is awesome, I did not still understand what he meant until he showed me my score and believe me it was 800+ from the previous 530. I could not believe it that the derogatory remark disputed/argued by Tom Lee has actually given my credit score a boost. He said it actually but I never believed it would work out that way. I can’t thank him enough for helping me with this, I also thank my friend/colleague that introduced him to me.

I have been a victim of some scammers on this website but this is different, he talked to me like a professional that he is and gave clear instructions. I want to use this moment to recommend him to anyone that needs his service. He is an expert at what he does.
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Wed, 06/26/2019 - 01:18 Permalink
James6464 (not verified)

Bad credit score can be a thing of the past,if only you can reach out to (aceteamcredit@gmail.com) or call +1 347 868 2940 . i just got out of bankruptcy and a need to purchase a house was my utmost priority.During that period i came in contact with Aceteam credit ,was told by few Lenders, that i will be waiting for 1 year plus for FHA loan. i have a saving and a very poor credit score of 511 and two credit card debts from 3 years. The only option i had was to improve my credit because i couldn’t afford to pay higher interest rate and wait that long. Hiring Aceteam to fix my credit score improved my FICO score to 790 and cleared all credit card debts in a stipulated time as promised.I just got approved for a loan of $100,000 with less interest rate compared to when i was in Lexington law .

Wed, 06/26/2019 - 02:08 Permalink
philipsamanda9… (not verified)

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Wed, 06/26/2019 - 02:44 Permalink
Rose1234 (not verified)

If you are in need of a great hacker to help you repair your credit report, I will advise you all to get in touch with KEVIN MITNICK. He is the best man at the moment, He help me raise my credit score to 831 excellent and He also help me remove all unwanted collections from my credit profile within 72 hours. He also increase all my credit card limit to $35,000 when I get in touch with him. His service are fast, secured and reliable without stress, Contact him on regular email for your credit repair KevinMitnickCyberConsulting At gmail.Com

Wed, 06/26/2019 - 03:23 Permalink
JARK (not verified)

I had credit scores of 350 (Transunion) 440 (Equifax) in January. I applied for a surgery loan in February and was not approved because of my low FICO scores. I contacted my loan officer and she told me that I need a score of 750-805 to get qualified (considered by FICO as Good) and I was desperately in need to get my score boost because I had to do the surgery at that time. I had seen some wonderful recommendations of a good Credit Agency on the internet called HACKERWISE So I contacted them and they fixed my FICO scores to 805+ in less seven working days across all 3 credit bureaus and I was approved within a week. I still have my scores at 790 because it is a permanent hack. I am so happy I found this Credit Agency and I will recommend them to anyone out there who is desperately in need of their services as well, you can contact them on now HACKERWISE1005@GMAIL.COM

Wed, 06/26/2019 - 12:30 Permalink
Robin_Sims (not verified)

The three credit bureaus had continued to provide misinformation on my credit report. I have faxed copies of my passport, utility bills, social security card to them over 5 times. I have wasted countless hours going over the erroneous items with their representatives,and nothing was done to my credit to correct this misinformation because of this faux pas I had been denied of Loans, Mortgages and so on. But with the assistance of this great Credit repairer whom a lot of people had reviewed on Youtube (cyberhack005 @gmailCom or +1502-378-7817) he helped me correct every misinformation, clear all inquiries, improved my credit scores to 780 and finally add tradlines. Applied for a surgery loans few months ago was granted, Also bought a house few Weeks ago and I was approved, after my credit report had meet up the requirement. I've been benefiting from his service since then. Right now i'm so grateful for what he did on my credit

Wed, 06/26/2019 - 14:35 Permalink
Keithmit (not verified)

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Wed, 06/26/2019 - 19:21 Permalink
Kathy Diffin (not verified)

I come across a guru hacker called Aaron Swartz that works on FICO credit score, He's a life saver. I get in touch with him, He removed negative collections on my credit report and He help me raise my credit to 790+ within 72 hours, with the addition of some good tradelines. He also help me swipe off the student loans, medical bills and clear my credit card debts within few weeks. Contact AaronSwartzcyberservices At Gmail Dot Com

Thu, 06/27/2019 - 00:49 Permalink