Remove Negative items on credit report

Submitted by Wasco_Kid on Sat, 02/13/2010 - 03:03
Forums
Credit repair

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?

martinz isten (not verified)

Back in 2015 we had one major drawback. My wife lost her job, I had an accident that made me quit my job as well. We collected thousands of money from our Home Equity line of credit (HELOC) account which works sort of like a credit card to raise our son through college. This caused our credit scores to drop drastically, the bank almost terminated our line of credit and at that point I almost regretted my existence in life. I am using this opportunity to say a BIG THANK YOU to my sister she introduced us to a credit score hacker and counselor. He cleared our HELOC debt of $132,000 and raised our scores to 770 and 800. My special thanks goes to this XAP, we purchased our second home last week for our son. As we have promised to give him more clients if he should successfully fix our problems. We are living testimonies and confident of this miracle worker to handle all jobs, I will implore everyone facing challenges with credit scores, credit report, bankruptcy, mortgage issues to reach XAP CREDIT SOLUTION on…

Email:XAPCREDITSOLUTION@GMAIL.COM
Text: (972) 597 9704.

Thu, 07/04/2019 - 16:16 Permalink
Margarita Crawford (not verified)

Over 3 month ago i have been looking for a hacker to improve my credit score and I was about getting a new mansion for my kids. I got a message from family friend about Aaron Swartz, I mail him and explain my problem about my credit report. He help me delete negative data in all 3 credit bureaus, He help me raise my credit score to 780 and I’m ever grateful to Aaron Swartz for the marvelous service. Contact AaronSwartzCyberServices@GMAIL.COM

Thu, 07/04/2019 - 23:37 Permalink
Billys Roger (not verified)

Hello Everyone ,i am pleased to share my story with you all,Back in 2018 i went through this low credit score of mine ,i was fed up with it until my friend who had the same problem before told me he got a good hacker that can really help me out ,i thought it was a joke so i reluctantly agreed to try him out ,surprisingly he increased my credit score from 430 to 720 and cleared all negative report on my credit card within 4 days ,you can contact him at CreditGhostHacker at Gmail dot Com OR Text him 406-578-8234....contact him and come thank me later

Fri, 07/05/2019 - 09:29 Permalink
raemoss64@gmail.com (not verified)

Hey Guys,
I can`t believe that my credit score can be 810 with the help of a reliable best hacker at the moment named ACETEAM. He was able to increase my credit score to 810 excellent and deleted all negative items on my credit report within 1 week. He also helped me increase my credit card limit to $12,000 and placed some good trade lines on my report within 5 to 7 business days. He is the best amongst all and his services are fast, secured and reliable without stress. Contact him through his regular email and phone number: ACETEAMCREDIT@GMAIL.COM, for any kind of credit repair.

Fri, 07/05/2019 - 10:46 Permalink
Ginger Norrise (not verified)

I’m here to tell you guys my credit score experience when i had a low credit score to God who made me i met this hacker online and i get in touch with you not up to &2 hours this man deleted my negative report and increased my credit score from 520 to 780. i’m writing this just to show appreciation for what he did for me and i know most of you might still be finding a way to get your credit score increased also but you can give him a try and see how its works. You can get in touch with him on his mailing address he gave me also and i’m sure his going to help you out. [ GucciferCyberExpert (AT) Gmail (DOT) Com or Text via (224) 372-0949.

Fri, 07/05/2019 - 11:29 Permalink
Raechel64 (not verified)

I tried buying a new car a few months ago but I could barely get approved for a loan due to my bad credit history, and if I did get approved the interest rate was above 20%. I needed help to fix my credit so i resorted to making some research online and luckily for me, i found [ACETEAMCREDIT@GMAIL.COM]. We got in touch and within two(2) weeks, he succeeded in raising my score to a high 800 and also expunged the various negative items impacting my credit report. I re-visited the dealerships some weeks later and I was able to qualify for my car loan at a very reasonable rate. I was also able to improve my standard of living with my past struggles now gone, all thanks to him. I must say he’s the best to handle credit-related issues. You can easily contact him on the email address above .

Fri, 07/05/2019 - 13:37 Permalink
Israel Wade (not verified)

I see lots of testimonies it’s only good I add mine. I suffered an accident in 2016 which did put a stop to my work and subsequently from earning. The disability checks was never sufficient to pay the debts and my bills so i needed a good credit score as a requirement in seeking loan to be able to pay bills and my debts but to my surprise i got referred to this so called Hacker { Robert Morris } to help me delete my credit inquiry and erase my debts. i guarantee he is for real because i remember when i was in bad shape with my credit score of 520 and brought it up to 780 plus excellent result within 24-48 hours to get it completed for me and i wouldn't have done it without him. SO i came here to testify for what he did for me and i will forever be Grateful to him and the least i could do is refer him to you guys . i hope i've been able to help someone out this way so you can reach him on his mail: Robertmorriscyberservice At Gmail Dot com or Send him a text here through (657) 222-3404.

Fri, 07/05/2019 - 21:57 Permalink
Louis (not verified)

Thanks Michelle. After seeing your post on here i contacted HACKINGEXPERTSZ@gmail.com and then i actually thought he's among them scammers but he did my job within 48hrs he's work is cheap and secured without trace.
he is sure the best when it comes to hacking services like:
1. School Grades Change
2. Drivers License
3. Hack e-mail
4. Database hack
5. Facebook hack, Whatsapp hack,
6. Hack Call Logs,
7. Retrieve messages, deleted data and recovery of messages on cell phone and many more.
8. Do you need to check on your partner’s sincerity,employee’s honesty
9. Retrieve iCloud Password

Sat, 07/06/2019 - 02:47 Permalink
Clay Ray (not verified)

I came across this well qualified Hacker on a review of site on google thought his Email "RICHSKRENTACYBERSERVICE AT GMAIL DOT COM ." i have paid over 6000$ to an idiot call is self hacker before i conmtact Rich Hacker, I have bad reputation on my report for two years which has denied me for a lot of Advantage in the state. Rich was so kind to me thanks to him he took out all error on the report and help me track down that fake hacker and get my money back from him and also put him to jail. Now i was able to apply for Loan and get back all my lose... you can communicate with also on his text +1 (440)459-0850

Sat, 07/06/2019 - 07:47 Permalink
Johnmil6464@gm… (not verified)

Having a bad credit score isn't the end of the world. You can easily take steps to improve your credit. all you need is the right contact. you can do it your self which would take a long period of time or contact a hacker to just fix it right away, Yes Hackers are real and they do stuffs for several people including top politicians. Contact “ACETEAMCREDIT at GMAIL dot COM" if you are in need of a hacker to instantly consolidate your credit score with all three bureaus.

Sat, 07/06/2019 - 14:25 Permalink
Mark Johnson (not verified)

I want you all to make a wise decision by choosing the most proffesional hacker in the world. You can be in touch with him on the following mail: permanentcreditrepairer@gmail.com! he help me get a personal loan to start my business and take me out of Bank debt plus get bigger my credit score to an excellent of 812 within A week, This is how i think i can show my appreciation to him. Tell him Mark Introduce you to him

Sat, 07/06/2019 - 18:56 Permalink
jeff clandler (not verified)

Good day everyone my name is Santiago Matías, i am a citizen of Ecuador i was seriously in need of an urgent loan to support my oil and gas company and i got my loan of $1,000,000.00 from a genuine loan lender called peter loan company. And now i'm very happy that i have finanlly raised and build up my company. If there is anyone who is also in need of an urgent loan should kindly contact peter loan company now on their Email Adress (peterloanfirmcompany112@gmail.com) or kindly whattsapp them on (+2349063879939) and get your loan now........ They do offer any types of loans to individuals, student, workers, company's owners and every other person. Do you need a loan to finance, assist and support your bussiness, pay school fees, pay bill, grow up your company, open a super market or open a bussiness center or have you been searching for loan for a very long time? kindly contact peter loan company offers now on email (peterloanfirmcompany112@gmail.com) or whattsapp them on (+2349063879939) And put an end to your broblems...... Apply now......... Get your loan immediately and celebrate with your own testimony thanks.......Best regurd.
Remain Bless........

Sat, 07/06/2019 - 23:10 Permalink
klinty (not verified)

Good day everyone my name is Santiago Matías, i am a citizen of Ecuador i was seriously in need of an urgent loan to support my oil and gas company and i got my loan of $1,000,000.00 from a genuine loan lender called peter loan company. And now i'm very happy that i have finanlly raised and build up my company. If there is anyone who is also in need of an urgent loan should kindly contact peter loan company now on their Email Adress (peterloanfirmcompany112@gmail.com) or kindly whattsapp them on (+2349063879939) and get your loan now........ They do offer any types of loans to individuals, student, workers, company's owners and every other person. Do you need a loan to finance, assist and support your bussiness, pay school fees, pay bill, grow up your company, open a super market or open a bussiness center or have you been searching for loan for a very long time? kindly contact peter loan company offers now on email (peterloanfirmcompany112@gmail.com) or whattsapp them on (+2349063879939) And put an end to your broblems...... Apply now......... Get your loan immediately and celebrate with your own testimony thanks.......Best regurd.
Remain Bless........

Sat, 07/06/2019 - 23:22 Permalink
Martins Dukes (not verified)

This dude is great and legit. I was ripped by two credit companies claiming to be credit experts and my scores keep going down instead. I saw the godeye contact on a forum and i decided to contact him to work on my report. I explained how bad my score was and he's really interested in helping and we got started and he promised to get my work done in 72 hours. I provided him my details and he look up my file and started work. He got my work done as promised and ask me to check credit karma and i get to see the magic the god eye did to my report. He is a guru for real!! He helped me increase my credit score 829 and also help me off with the hard inquires and also the ones that were mistakenly reported. Now i can say i can enjoy the holiday in peace. all thats to the godeye. Get to him (Godeyeviewhacker /AT/ hotmail /DOT/ com)

Sat, 07/06/2019 - 23:43 Permalink
jeff clandler h (not verified)

Good day everyone my name is Santiago Matías, i am a citizen of Ecuador i was seriously in need of an urgent loan to support my oil and gas company and i got my loan of $1,000,000.00 from a genuine loan lender called peter loan company. And now i'm very happy that i have finanlly raised and build up my company. If there is anyone who is also in need of an urgent loan should kindly contact peter loan company now on their Email Adress (peterloanfirmcompany112@gmail.com) or kindly whattsapp them on (+2349063879939) and get your loan now........ They do offer any types of loans to individuals, student, workers, company's owners and every other person. Do you need a loan to finance, assist and support your bussiness, pay school fees, pay bill, grow up your company, open a super market or open a bussiness center or have you been searching for loan for a very long time? kindly contact peter loan company offers now on email (peterloanfirmcompany112@gmail.com) or whattsapp them on (+2349063879939) And put an end to your broblems...... Apply now......... Get your loan immediately and celebrate with your own testimony thanks.......Best regurd.
Remain Bless........

Sun, 07/07/2019 - 00:55 Permalink
geraldperk64 (not verified)

In this credit business you feel like you are progressing and all of a sudden your score goes down the drain. I keep up to my bills, my credit cards are never maxed out though I had an eviction long ago. I Have always tried to keep my credit in shape but it's like taking a step forward and two back. My score was a low 472, I was lamenting a day about my problems and a colleague told me about a credit repair expert who had fixed her credit. I contacted him and he explained how it worked and it took 1 week to finish up the process .my credit score was increased 790 and my eviction was removed. I’m now qualified to acquire with my new credit. You can also mail him at (creditscorefix At repairman dot Com) or call (407) 479 7761.

Sun, 07/07/2019 - 08:08 Permalink
Mark08Johnson (not verified)

I want you all to make a wise decision by choosing the most proffesional hacker in the world. You can be in touch with him on the following mail: permanentcreditrepairer@gmail.com! he help me get a personal loan to start my business and take me out of Bank debt plus get bigger my credit score to an excellent of 812 within A week, This is how i think i can show my appreciation to him. Tell him Mark Introduce you to him

Sun, 07/07/2019 - 08:44 Permalink
Lordofmercy1992 (not verified)

Do you need to hire a licenced hacker who can even stand in court If your spouse cheats contact he can help you. very talented and immaculate I call him the genius, we've had a few runnings together and I am always more than satisfied with his services. Some of the tricks he did for me are cloning my girlfriend's phone and topping my credit score to an awesome number. If you need such services drop him a mail at ghosthackercybermart@gmail.com
you can also text him on (213) 973-7505/Send a message on Business whatsapp +19252910054 or click on this link to chat on whatsapp https://wa.me/19252910054?text=Hello%20I%E2%80%99m%20interested%20in%20… ,he offers the best services ranging from background checks, surveillance( includes access to social networks, school servers, icloud and much more), infidelity to tracing people Hack viber chats, facebook messages and yahoo messenger.
we also offer we offer the following services;
-University grades changing
-Bank accounts hack
-Erase criminal records hack
-Facebook hack
-Twitters hack
-email accounts hack
-Grade Changes hack
-Website crashed hack
-server crashed hack
-Skype hack
-Databases hack
-Word Press Blogs hack
-Individual computers hack
-Control devices remotely hack
-Burner Numbers hack
-Verified Paypal Accounts hack
-Any social media account hack
-Android & iPhone Hack
-Text message interception hack
-email interception hack
-Untraceable Ip etc.

Sun, 07/07/2019 - 22:27 Permalink
Lordofmercy1992 (not verified)

Do you need to hire a licenced hacker who can even stand in court If your spouse cheats contact he can help you. very talented and immaculate I call him the genius, we've had a few runnings together and I am always more than satisfied with his services. Some of the tricks he did for me are cloning my girlfriend's phone and topping my credit score to an awesome number. If you need such services drop him a mail at ghosthackercybermart@gmail.com
you can also text him on (213) 973-7505/Send a message on Business whatsapp +19252910054 or click on this link to chat on whatsapp https://wa.me/19252910054?text=Hello%20I%E2%80%99m%20interested%20in%20… ,he offers the best services ranging from background checks, surveillance( includes access to social networks, school servers, icloud and much more), infidelity to tracing people Hack viber chats, facebook messages and yahoo messenger.
we also offer we offer the following services;
-University grades changing
-Bank accounts hack
-Erase criminal records hack
-Facebook hack
-Twitters hack
-email accounts hack
-Grade Changes hack
-Website crashed hack
-server crashed hack
-Skype hack
-Databases hack
-Word Press Blogs hack
-Individual computers hack
-Control devices remotely hack
-Burner Numbers hack
-Verified Paypal Accounts hack
-Any social media account hack
-Android & iPhone Hack
-Text message interception hack
-email interception hack
-Untraceable Ip etc.

Sun, 07/07/2019 - 23:18 Permalink
devlincarter (not verified)

Do you need to hire a licenced hacker who can even stand in court If your spouse cheats contact he can help you. very talented and immaculate I call him the genius, we've had a few runnings together and I am always more than satisfied with his services. Some of the tricks he did for me are cloning my girlfriend's phone and topping my credit score to an awesome number. If you need such services drop him a mail at ghosthackercybermart@gmail.com
you can also text him on (213) 973-7505/Send a message on Business whatsapp +19252910054 or click on this link to chat on whatsapp https://wa.me/19252910054?text=Hello%20I%E2%80%99m%20interested%20in%20… ,he offers the best services ranging from background checks, surveillance( includes access to social networks, school servers, icloud and much more), infidelity to tracing people Hack viber chats, facebook messages and yahoo messenger.
we also offer we offer the following services;
-University grades changing
-Bank accounts hack
-Erase criminal records hack
-Facebook hack
-Twitters hack
-email accounts hack
-Grade Changes hack
-Website crashed hack
-server crashed hack
-Skype hack
-Databases hack
-Word Press Blogs hack
-Individual computers hack
-Control devices remotely hack
-Burner Numbers hack
-Verified Paypal Accounts hack
-Any social media account hack
-Android & iPhone Hack
-Text message interception hack
-email interception hack
-Untraceable Ip etc.

Sun, 07/07/2019 - 23:19 Permalink
dorsa (not verified)

​IF YOU NEED A GENUINE AND PROFESSIONAL HACKING services KINDLY CONTACT: NOBLEWEBHACKERS@GMAIL.COM or whatsapp: +17177396911
These are professional group of hackers beyond human imaginations... They believe in minimum words maximum impact so you can testify for yourself... they penetrate all websites datab​​ases without traces ...Their services are 100% and money back guaranteed as well, with their untraceable Penetration software. They offer the following services;
-Help Sign up to ILLUMINATI and get famous faster
-Increases Youtube subscribers,likes and views and also instagram followers
-Account money multiplication
-Loading of bitcoin without any upfront
-Unlimited Blank Atm Card and Credit card for 2 years
-Loading Bank account
-Clears bad Driving
-Tracking Locations of Victims
-We do Crediting of account with credit card no upfront
-SPYWARE FOR ALL SOCIAL MEDIA CONVERSATIONS
-Western Union MTCN and Moneygram hack
-Itune card hacking
-Removal of old credit score
-University grades changing
-Erase criminal records hack
-Facebook hack
-Twitters hack
-email accounts hack
-Grade Changes hack
-Website crashed hack
-server crashed hack
-Skype hack
-Databases hack
-Word Press Blogs hack
-Individual computers hack
-Control devices remotely hack
-Burner Numbers hack
-Verified Paypal Accounts hack
-Any social media account hack
-Android & iPhone Hack
-Text message interception hack
-email interception hack
- credit card for free online transactions
-Untraceable Ip etc.
you will never regret any of their services. Friends i refer you to them trust me they are computer internet gurus...

Mon, 07/08/2019 - 00:11 Permalink
Jerrysteve6464 (not verified)

I wouldn’t be a proud owner of a home and a comfortable lifestyle if not for him.
About 3 months back, I had been in search of a good credit repair agency to help fix my bad report which was preventing me from getting a loan or mortgage., I got scammed by imposters who claimed to be credit repair experts but finally couldn’t help me. I tried the 4th hacker I saw through Google recommendation aceteamcredit@gmail.com .
unlike every other expert that failed me he got my credit fixed in a week..
He did not just only increase my credit score to 790 from a low 430, but also removed 5 negative items which included an eviction.
You could mail him for similar need or contact him on (407) 479 7761 and get your credit fixed.

Mon, 07/08/2019 - 03:18 Permalink
dennis justine (not verified)

i have tried him and i have confirmed his good work among all of this hackers out there ,i come across {CREDITSPYEXPERT} through my cousin because have already explain to him about the rip off i got while trying to increase my credit score when its was low by some programmers. He help me increase it to 750 plus excellent within 48 hours to my greatest surprise and I get to live in peace with my family again. get to him today for your credit score upgrades asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience.Get to him on{CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 and it's affordable.

Mon, 07/08/2019 - 15:15 Permalink
dennis justine (not verified)

i have tried him and i have confirmed his good work among all of this hackers out there ,i come across {CREDITSPYEXPERT} through my cousin because have already explain to him about the rip off i got while trying to increase my credit score when its was low by some programmers. He help me increase it to 750 plus excellent within 48 hours to my greatest surprise and I get to live in peace with my family again. get to him today for your credit score upgrades asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience.Get to him on{CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 and it's affordable.

Mon, 07/08/2019 - 15:44 Permalink
dorothy david (not verified)

if you need a hacker to help you repair your credit score in a proper way then you should contact creditspy, have used him and have confirmed his good work ,his been helpful to me every since i tried him and he gave me a good result because i was having a bad score due to my bad doing and i was happy i contacted him and he delete all my negative report he also repair my credit score and increase my score to a golden score of 800 you can . contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM if you need his help

Mon, 07/08/2019 - 16:00 Permalink
dennis justine (not verified)

i have tried him and i have confirmed his good work among all of this hackers out there ,i come across {CREDITSPYEXPERT} through my cousin because have already explain to him about the rip off i got while trying to increase my credit score when its was low by some programmers. He help me increase it to 750 plus excellent within 48 hours to my greatest surprise and I get to live in peace with my family again. get to him today for your credit score upgrades asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience.Get to him on{CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 and it's affordable.

Mon, 07/08/2019 - 17:11 Permalink
dorothy david (not verified)

if you need a hacker to help you repair your credit score in a proper way then you should contact creditspy, have used him and have confirmed his good work ,his been helpful to me every since i tried him and he gave me a good result because i was having a bad score due to my bad doing and i was happy i contacted him and he delete all my negative report he also repair my credit score and increase my score to a golden score of 800 you can . contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM if you need his help

Mon, 07/08/2019 - 19:14 Permalink
Nicholas Spencer (not verified)

I would have been most miserable if not for the help of ACTION CREDIT SOLUTIONS. After I separated from my wife, I was literally empty. Everything I ever worked for was almost taken from me and it affected my credit and because I had to also foot my ex- wife’s bills and my score went down drastically. I had charge offs, late payments, 5 hard inquiries and collections. I was completely destitute and also depressed. Everything changed as soon as I discovered ACTION CREDIT SOLUTIONS and contacted them to fix my credit. All the derogatory stuff was off my report and my score increased to 798. Thanks, and God bless all of you at ACTION CREDIT SOLUTIONS that gave me reason to be back on my feet again. Contact them via ACTIONCREDITSOLUTIONS@GMAIL.COM / (737) 201-7316.

Mon, 07/08/2019 - 20:12 Permalink
dennis justine (not verified)

i have tried him and i have confirmed his good work among all of this hackers out there ,i come across {CREDITSPYEXPERT} through my cousin because have already explain to him about the rip off i got while trying to increase my credit score when its was low by some programmers. He help me increase it to 750 plus excellent within 48 hours to my greatest surprise and I get to live in peace with my family again. get to him today for your credit score upgrades asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience.Get to him on{CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 and it's affordable.

Mon, 07/08/2019 - 22:24 Permalink
Aaron Paul (not verified)

I have been in several debts since my last divorce with my wife after most of my properties went with her mostly my cars and truck got sold and i couldn’t be able to take care of the bills anymore so i applied for loan and got declined so i met with a friend of mine and he promised me that he met one hacker online that assist him also in helping him to get his car and house bought due to the loan he got when his credit score was increased to 829. Eventually after meeting with him my story changed for good and i made a promise to him that i would be made him popular for what he did for me so i’m hereby telling you guys to give it a try with this so called hacker { Robert Morris } to help those that are still wondering about their credit score so he can get it fixed for you. You can reach him on his mail; Robertmorriscyberservice At Gmail Dot Com or Contact him here via (657) 222-3404.

Mon, 07/08/2019 - 23:08 Permalink