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?

bowman convington (not verified)

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Sat, 07/13/2019 - 00:04 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.

Sat, 07/13/2019 - 00:05 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.

Sat, 07/13/2019 - 00:05 Permalink
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Sat, 07/13/2019 - 02:31 Permalink
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Sat, 07/13/2019 - 11:42 Permalink
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Sat, 07/13/2019 - 16:36 Permalink
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Sun, 07/14/2019 - 14:33 Permalink
michelle mauran (not verified)

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Sun, 07/14/2019 - 14:33 Permalink
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Sun, 07/14/2019 - 15:56 Permalink
Jeff Donald (not verified)

After a recent post encouraging a low-scoring forum member to be hopeful, several people have asked me how I got my FICO score from 420 to the 750s today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven't slipped – I got so excited a few weeks ago when my FICO hit 600, and applied for a CapitalOne Auto Loan and a Best Buy card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can't change the past. To set things up, I have been in close contact with {CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 who has never failed me since i knew him, i get loans and more benefits without having to worry

Sun, 07/14/2019 - 23:43 Permalink
Jeff Donald (not verified)

After a recent post encouraging a low-scoring forum member to be hopeful, several people have asked me how I got my FICO score from 420 to the 750s today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven't slipped – I got so excited a few weeks ago when my FICO hit 600, and applied for a CapitalOne Auto Loan and a Best Buy card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can't change the past. To set things up, I have been in close contact with {CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 who has never failed me since i knew him, i get loans and more benefits without having to worry

Mon, 07/15/2019 - 07:35 Permalink
Linda Smith (not verified)

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Mon, 07/15/2019 - 10:15 Permalink
Olivia Murphy (not verified)

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Mon, 07/15/2019 - 11:20 Permalink
ann nelson (not verified)

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Mon, 07/15/2019 - 11:20 Permalink
ann nelson (not verified)

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Mon, 07/15/2019 - 11:44 Permalink
Jerry Donald (not verified)

After a recent post encouraging a low-scoring forum member to be hopeful, several people have asked me how I got my FICO score from 420 to the 750s today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven't slipped – I got so excited a few weeks ago when my FICO hit 600, and applied for a CapitalOne Auto Loan and a Best Buy card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can't change the past. To set things up, I have been in close contact with {CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 who has never failed me since i knew him, i get loans and more benefits without having to worry

Mon, 07/15/2019 - 13:04 Permalink
Jerry Donald (not verified)

After a recent post encouraging a low-scoring forum member to be hopeful, several people have asked me how I got my FICO score from 420 to the 750s today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven't slipped – I got so excited a few weeks ago when my FICO hit 600, and applied for a CapitalOne Auto Loan and a Best Buy card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can't change the past. To set things up, I have been in close contact with {CREDITSPYEXPERT@HOTMAIL.COM} or +1 985 441 1527 who has never failed me since i knew him, i get loans and more benefits without having to worry

Mon, 07/15/2019 - 13:06 Permalink
greeneryan23 (not verified)

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Mon, 07/15/2019 - 21:39 Permalink
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Mon, 07/15/2019 - 22:48 Permalink
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Mon, 07/15/2019 - 23:10 Permalink
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Be careful of who you contact to help you hack any information, Some still threaten you just to collect more money!! I am grateful to Robert Morris for his help, If your desperately in need of an hacker, I can vouch for him!! because he had help me to hack into my wife bank login and got some my money transfer to my account i gave him and I’m sure he does Grade change, change in credit score , Facebook hack, Whatsapp hack, Snapchat, Delete series Criminal records and hack any social media accounts. Contact him through GucciferCyberExpert (AT) Gmail (DOT) Com or Text via (224) 372-0949

Mon, 07/15/2019 - 23:10 Permalink
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Mon, 07/15/2019 - 23:13 Permalink
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Tue, 07/16/2019 - 02:41 Permalink
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Tue, 07/16/2019 - 04:46 Permalink
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Tue, 07/16/2019 - 11:51 Permalink
Juliet Carson (not verified)

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Tue, 07/16/2019 - 14:04 Permalink