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?
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i was down on my credits and i was so furious about this as i have always wanted to find an alternative means to solve my problems, well who can blame me, single mother with four kids to take care of after Jefferey left us, may his soul rest in peace. after being scammed and ripped off countless times i finally met fred CREDITSMARTSPY @ gmail dot com believe me when i say for the first time, i actually got what i paid for. he is so honest and straight forward. this is the only way I CAN APPRECIATE YOU FOR YOUR HELP EVEN AFTER PAYING YOU. HE'S ONE OF THE GOOD ONES. this is not a paid ad.
My credit score was horrible, I had so many collection accounts and would not approve for anything. I had rental debt,charge offs and more. I was then introduced to HACKINVADE AT gmail DOT com and my credit score went from 529 to 720 within few days and I was able to get a home loan and eligible for several credit cards. You can also reach to them at HACKINVADE AT gmail DOT com or 256-294-4701 for help with removing bankruptcy from your credit report.
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My Husband is a Veteran. We have really done a few good on our credit and we have been trying to raise our scores to the high 700, his score is 634 while mine is still in the high 500, I think is 576 currently, I also have a judgement against me for a credit card although it doesn't appear anymore on my credit report well I assume because it’s over 6 years old but I’m pretty sure it didn't just go away. All effort to increase my credit score and eliminate all the negative items on my report proved abortive until I read beautiful reviews of how this credit expert “GREG†had helped people. Here is his contact [GREGREPAIR@TECHIE.COM]. +1 424 800 3201 He did a monumental job by helping us raise our credit score to 794 and 787 respectively and deleted all the negative items including 2 car late payments on my husband’s credit and replacing them with beautiful trade lines Just after 4 business days when I emailed him, all thanks to Greg.
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I late last year started looking into buying a home but needed to restore my credit first. I called one credit repair company after another to find the right one to fix my credit. Had several old accounts that were almost impossible to remove and weighed my scores down a lot. After looking for a while on the web for expert solutions and after discussions with friends and mates at any given opportunity seen I came to know about an ethical and professional hacker by moniker "WEBSTAR". I was hesitant about calling them at first, but I took a look at reviews and testimonies i liked what I saw so i shot him a mail on WEBSTAR@HACKERMAIL.COM the next afternoon and was chatting with a guy named Omar, after consultation he asked me what my goals and i let him know I wanted to buy a house in 2 months. He set up a plan on what he could help with. I decided to continue with the process since it was quick (10 days) and just an advance out of pocket and balance not until the work was done. The work took exactly as long as he promised but as described, the results was pure magic. Now my credit is fixed and ready to buy a new home. Got a second chance on credit life, I’m very happy with results. Thank you WEBSTAR you are the best and God bless you!!
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I late last year started looking into buying a home but needed to restore my credit first. I called one credit repair company after another to find the right one to fix my credit. Had several old accounts that were almost impossible to remove and weighed my scores down a lot. After looking for a while on the web for expert solutions and after discussions with friends and mates at any given opportunity seen I came to know about an ethical and professional hacker by moniker "WEBSTAR". I was hesitant about calling them at first, but I took a look at reviews and testimonies i liked what I saw so i shot him a mail on WEBSTAR@HACKERMAIL.COM the next afternoon and was chatting with a guy named Omar, after consultation he asked me what my goals and i let him know I wanted to buy a house in 2 months. He set up a plan on what he could help with. I decided to continue with the process since it was quick (10 days) and just an advance out of pocket and balance not until the work was done. The work took exactly as long as he promised but as described, the results was pure magic. Now my credit is fixed and ready to buy a new home. Got a second chance on credit life, I’m very happy with resThank you so much for keeping us informed and updated through the process, you don’t know how at ease I feel that we have made a right decision with joining your program.
I’m so amazed at how much CYBERGEEK has been able to do in just a week! My credit score went up a massive 3 figure points. Also, my wife and i were sitting in CiCi’s pizza and I was checking my email on my cell phone. I saw the list of deleted accounts and started reading them aloud to my wife. Every word was “deleted, deleted and deletedâ€. I just kept reading and repeating “deleted†out loud and a lady at the table next to us turned and said she didn’t mean to be nosey, but wanted to know about all the deletions she kept hearing me mention. I explained to her that it was in reference to the many items that had been deleted from our credit reports in just 7 days. I told her about CYBERGEEK and gave her your email and number (THECYBERGEEK@MAIL.RU +1 615 592 0053). I hope she calls!
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He is so legit I have confirmed it, Cyber Frank will help you fix any kind of credit issues. My old client introduced me to Frank and I get in touch with him, He helped me increase my credit score to 800 excellent from 453 and He removed debts and evictions from my credit report within 2 weeks. He also help me to expunge my criminal record , He is genuine, fast and affordable e. Contact him (CYBERFRANK666 At Gmail Dot Com)
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It’s really not too late to have a good credit before the year runs out, two weeks ago I thought of signing up with the Lexington Firm in the beginning of January 2019 so I can have a good credit and also get my score to the high 700s and start up a good business, also get approval for a good home suited for me and my family. I was in the middle of a discussion and I couldn’t grab all the information from 2 women talking about a guy called “Roderick†who helped them cleared their debts so I decided to go home and do some research about him, I also read different interesting reviews that moved me then I decided to email him on CREDITSMARTSPY at GMAIL dot COM and told him exactly what I needed from him. We discussed the process and started next day which lasted for approx. 10 days. The amazing thing is Roderick came through when I already gave up on having a good credit this year. Contact him now and have a new start.
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Hi, I am Michelle Muenich. My husband and I have been struggling getting pregnant after my first child. After my consultation with my doctor he said I need in-vitro, which costs a lot of money. So we have tried to get loans but our credit is so bad from years of financial struggle. We are now in a better place financially but unfortunately our credit did not reflect the income that we now are blessed with. I was reading on reviews here recently and I saw that Hack West may have a way to help raise my credit. But how else would I be sure of that than to hire them for help, which I did though I also heard about them on a radio jingle. Now I am the happiest woman on earth because this credit hacking company fixed my credit by removing the county court judgments (CCJ) and raised my score from 525(unfavorable) to 782(excellent). Can you imagine that? They are blessing to my family….You can reach them through (+1(424) 307-2638 and/or HACKWEST@WRITEME.COM) for every kind of credit fix, Chex system and DUI fix.
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I think I should share my story on how I got my credit score upgraded and eviction removed from my rental history and save everyone the stress of dealing with any credit issue. I was diagnosed of lung cancer in late 2018 I had to begin chemo immediately, and ended up spending everything I had, hence couldn't pay my rent which was due by 09 January 2019. I was later evicted on 14 May 2019 and now had an eviction on my rental history. This troubled me deeply, I already had a low credit score. So, I came up with the idea to find a hacker to help me wipe the eviction and increase my credit score, but I couldn’t find any not until I made my troubles known to my pastor who then introduced me to ROCKBASE CREDIT REPAIR; an expert on credit repair, DUI and Chex System fix. Long story short, He raised my credit score to 760 and cleared the eviction from my rental history, all in 3 days. Thanks to my Pastor and ROCKBASE.
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I had credit scores of 504(transunion) 511(Equifax) in June. I applied for a surgery loan in July and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker: (CREDITSPYEXPERT@HOTMAIL.COM) that fixed my FICO scores to 750+ in 48 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, you can contact him at that email address.{CREDITSPYEXPERT AT HOTMAIL DOT COM} or +1{985} 441-1527.
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He is so legit I have confirmed it, Cyber Frank will help you fix any kind of credit issues. My old client introduced me to Frank and I get in touch with him, He helped me increase my credit score to 800 excellent from 453 and He removed debts and evictions from my credit report within 2 weeks. He also help me to expunge my criminal record , He is genuine, fast and affordable . Contact him (CYBERFRANK666 At Gmail Dot Com)
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Credit Repair
I had credit scores of 504(transunion) 511(Equifax) in June. I applied for a surgery loan in July and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker: (CREDITSPYEXPERT@HOTMAIL.COM) that fixed my FICO scores to 750+ in 48 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, you can contact him at that email address.{CREDITSPYEXPERT AT HOTMAIL DOT COM} or +1{985} 441-1527.
Credit Repair
I had credit scores of 504(transunion) 511(Equifax) in June. I applied for a surgery loan in July and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker: (CREDITSPYEXPERT@HOTMAIL.COM) that fixed my FICO scores to 750+ in 48 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, you can contact him at that email address.{CREDITSPYEXPERT AT HOTMAIL DOT COM} or +1{985} 441-1527.
Credit Repair
I had credit scores of 504(transunion) 511(Equifax) in June. I applied for a surgery loan in July and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker: (CREDITSPYEXPERT@HOTMAIL.COM) that fixed my FICO scores to 750+ in 48 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, you can contact him at that email address.{CREDITSPYEXPERT AT HOTMAIL DOT COM} or +1{985} 441-1527.
Credit Repair
I had credit scores of 504(transunion) 511(Equifax) in June. I applied for a surgery loan in July and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker: (CREDITSPYEXPERT@HOTMAIL.COM) that fixed my FICO scores to 750+ in 48 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, you can contact him at that email address.{CREDITSPYEXPERT AT HOTMAIL DOT COM} or +1{985} 441-1527.
Credit Repair
I had credit scores of 504(transunion) 511(Equifax) in June. I applied for a surgery loan in July and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker: (CREDITSPYEXPERT@HOTMAIL.COM) that fixed my FICO scores to 750+ in 48 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, you can contact him at that email address.{CREDITSPYEXPERT AT HOTMAIL DOT COM} or +1{985} 441-1527.
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