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?

Tommy Fletcher (not verified)

My credit score was 553 (poor), that I had already given up in achieving my short-term goals (which included buying a bigger house for my family and getting a better paying job). Of course these goals seemed far-fetched and almost impossible due to my bad credit history and low score. I decided to try {SCEPTER007@WORKMAIL.COM} after hearing about his services on a Facebook page. Indeed he was highly recommended with so many positive reviews to his name. Then i took all faith and went ahead to work with him. This singular decision i took appeared to be the best decision i took in my entire life. His services yielded results in no time, which was amazing. He began to systematically remove negative items from my credit reports and before i knew it, they were all gone. In less than 7 Days my credit score had risen over 200 points to 758 (very good) on all 3 credit bureaus. I've been so elated and over-the-moon about these new changes at this point of my life, all made possible solely to this talented professional. I thereby challenge you all to go for the best professional to fix your credit for the better. His email address is provided for easy contact. Make sure to also drop your testimony as i just did in future to help others.

Mon, 07/08/2019 - 23:39 Permalink
Jesse Rodriguez (not verified)

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Mon, 07/08/2019 - 23:40 Permalink
Daniel Floyd (not verified)

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Mon, 07/08/2019 - 23:50 Permalink
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Tue, 07/09/2019 - 01:57 Permalink
Daniel Garson (not verified)

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Tue, 07/09/2019 - 02:35 Permalink
Tony H (not verified)

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Tue, 07/09/2019 - 12:49 Permalink
Maya (not verified)

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Tue, 07/09/2019 - 13:08 Permalink
collins boherman (not verified)

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Tue, 07/09/2019 - 13:14 Permalink
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Tue, 07/09/2019 - 17:19 Permalink
PAIGE SNEL (not verified)

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Tue, 07/09/2019 - 17:40 Permalink
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Tue, 07/09/2019 - 19:39 Permalink
Helen Adams (not verified)

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Tue, 07/09/2019 - 22:12 Permalink
amandajones99992 (not verified)

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Tue, 07/09/2019 - 22:46 Permalink
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Wed, 07/10/2019 - 00:25 Permalink
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Wed, 07/10/2019 - 04:17 Permalink
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Wed, 07/10/2019 - 07:56 Permalink
David Newton (not verified)

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Wed, 07/10/2019 - 18:28 Permalink
Jessica64 (not verified)

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Thu, 07/11/2019 - 06:51 Permalink
Kristy Adrian (not verified)

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Thu, 07/11/2019 - 08:56 Permalink
Lori Pittenger (not verified)

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Thu, 07/11/2019 - 10:02 Permalink
johnfeatherston0 (not verified)

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Thu, 07/11/2019 - 13:43 Permalink
kelvin rey (not verified)

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Thu, 07/11/2019 - 15:09 Permalink
Mike64 (not verified)

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Thu, 07/11/2019 - 15:29 Permalink
james nathaniel (not verified)

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Thu, 07/11/2019 - 15:52 Permalink
kelvin rey (not verified)

if you need a good hacker for your credit repair you can contact creditspeygenius because I never believe he could finally raised my credit score up because he only took him few days to get everything fixed . His services was so reliable and he helped me delete all my negative score and clear all my eviction from my credit report now my score went up from 450 to 800 golden am am grateful my good friend bob, introduce me to him and have never regret working with him ..his the best he also helped my family to boost their credit score you can contact him if you need your credit repair through his email CREDITSPYGENIUS AT GMAIL DOT COM if you need his help

Thu, 07/11/2019 - 15:57 Permalink
shanoprice (not verified)

I read many great testimonies about a credit repair man named Derrick but I still had great fear contacting him because I know there are lots of online impostors claiming they know how to fix credit. Knowing that I had to give out so much of my personal information then I decided to sleep over it and I contacted him the following week via his email (DERRICKREPAIR at TECHIE dot COM, +1 830 308 7397) but he made it looked like an easy and fast process. I had the comfort of knowing that he increased my credit score and improved my credit profile, saved me so much time and money. I am immensely satisfied with how he is so patient and willing to go through the procedure step by step so there is clarity in what I'm getting myself into. I've finally gotten my utilization percentage reduced and my credit fixed all thanks to Derrick Repair.

Thu, 07/11/2019 - 16:36 Permalink
Chloe Bryant (not verified)

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Thu, 07/11/2019 - 20:31 Permalink
Chloe Bryant (not verified)

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Thu, 07/11/2019 - 20:37 Permalink
Bobby Blackburn (not verified)

My woman was thinking I can’t be happy without her. Though I caught her 3 days ago cheating on me with the help of SPYEXPERT0@GMAIL.COM I read her text messages, I listened to her phone calls been recorded right on my phone. Whatsapp and many more I saw a lot of bad reputations about my wife. I swear with my life am happy I came in contact with this hacker called SPYEXPERT0@GMAIL.COM I showed her parent proof of there daughter cheating on me and all. It was to bad that I can’t even forgive her but to take a divorce with her and now am happy with the only person that gives me joy which is my son. Thanks to a great HACKER. I will always look up to you the SPYEXPERT0

Fri, 07/12/2019 - 01:11 Permalink
Ryan Greene (not verified)

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Fri, 07/12/2019 - 03:22 Permalink
sharon3457 (not verified)

I had credit scores of 504(transunion) 511(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 hacker called Kevin Mitnick. I was so nervous at first thinking he would take money and disappear on me but at the same time i really needed help so I gave him a shot. This man magically boosted my FICO score to 750+ within 72 hours across all 3 credit bureaus and I was approved within a week. I still have my scores at 782 because it is a permanent hack. I am so happy i found him and i will recommend ONLY him to anyone in need of such services.Contact info KevinMitnickCyberConsulting At Gmail Dot Com or Text him at (518) 223-9883

Fri, 07/12/2019 - 07:47 Permalink
Joseph Clay (not verified)

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Fri, 07/12/2019 - 08:07 Permalink
bvlyhill (not verified)

Information is the key. If you don’t know anybody who had successfully hacked and improved his credit rating doesn’t mean there are no people doing it already. There really isn’t anything new under the sun, as you're thinking about an idea, someone somewhere is thinking about the same thing and making moves to achieve it. To cut the whole thing short, if you should need a hacker who can fix bad credit ratings, who can clear mortgages and debt records you should check out WESLEYCAGECREDITEXPERT@GMAIL.COM you will find an elite who will be able to provide permanent solution to whatever your problems may be and he is thorough and effective.

Fri, 07/12/2019 - 12:24 Permalink
Jacksonville (not verified)

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Fri, 07/12/2019 - 13:07 Permalink
bowman convington (not verified)

It is not so usual of me to refer professionals online but I feel like I owe a lot to (CREDITSPYEXPERT@HOTMAIL.COM)who helped me upgrade my credit score and fixed my credit report in 3days. He works with discretion and deliver without charging outrageous fees. He increased my credit score to 780 and removed 8 negative items on my report which prevented me from getting a mortgage to get a house for my family. Now I'm typing from the comfort of my home all thanks to him ….You can contact him through his mail account(CREDITSPYEXPERT@HOTMAIL.COM)and mobile (+1 985 441 1527) Give him a trial and you will be convinced.

Fri, 07/12/2019 - 18:52 Permalink
Michele Dennis (not verified)

Thank You Aaron Swartz for helping me to wipe all mortgage tradelines, revolving credit cards, auto tradelines on my credit report within 72 hours and He help me raise my credit score to 780 excellent score. I got the loan, was able to acquire my dream house and He is the best and very affordable. Contact AARONSWARTZCYBERSERVICES@GMAIL.COM

Fri, 07/12/2019 - 20:42 Permalink
bowman convington (not verified)

It is not so usual of me to refer professionals online but I feel like I owe a lot to (CREDITSPYEXPERT@HOTMAIL.COM)who helped me upgrade my credit score and fixed my credit report in 3days. He works with discretion and deliver without charging outrageous fees. He increased my credit score to 780 and removed 8 negative items on my report which prevented me from getting a mortgage to get a house for my family. Now I'm typing from the comfort of my home all thanks to him ….You can contact him through his mail account(CREDITSPYEXPERT@HOTMAIL.COM)and mobile (+1 985 441 1527) Give him a trial and you will be convinced.

Fri, 07/12/2019 - 21:26 Permalink
Tonya sharp (not verified)

when I graduated, I felt confident about my finances. I had
no student loans and had been responsibly using my credit
card for four years. my score was solid, problem emerged
when I and my roommate applied for an apartment in new
York. my apartment ran my credit report and discovered a
thin file, which means my credit wasn't reporting activities to
all three bureaus. luckily I was recommended to peter to fix
things in order regarding my credit report . I contacted him
immediately through his Gmail address
REPAIRCREDIT2019@GMAIL.COM. And in 1
week he came with an excellent credit report

Fri, 07/12/2019 - 22:33 Permalink