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?

rhett (not verified)

My name is Rhett Watkins, I just want to show my appreciation to HACKINVADE (HACKINVADE@GMAIL.COM, 256-294-4701) as promised for helping me fix my CREDIT REPORT. I had an EVICTION, JUDGEMENT and quite a number of other negative items on my report with a low 400's CREDIT SCORE. These prevented me from getting a mortgage until I sort for help here. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good stuffs (Mortgage tradelines, Installment tradelines, Revolving credit cards and Auto tradelines) on my report, I got the mortgage and I’m very happy. God bless him. You can contact him for a similar help because he is reliable and efficient in his job

Thu, 08/01/2019 - 11:41 Permalink
JAMES CAMERON (not verified)

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Thu, 08/01/2019 - 12:09 Permalink
Aaron Miller (not verified)

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Thu, 08/01/2019 - 22:47 Permalink
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Fri, 08/02/2019 - 01:00 Permalink
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Fri, 08/02/2019 - 11:15 Permalink
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Fri, 08/02/2019 - 12:09 Permalink
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Sat, 08/03/2019 - 08:04 Permalink
Tucker Pat (not verified)

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Sat, 08/03/2019 - 09:03 Permalink
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Sat, 08/03/2019 - 12:39 Permalink
charmdatescamr… (not verified)

Blar3d you

Blar3d 1 point recorded 3 months ago

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purchase an E Pass or SunPass at Publix. They're like $5 and offer $5 worth of credit for the toll roads. Even if you do not plan to take toll roads much, You will take them each and every and stopping for tolls sucks and is more dangerous than the E Pass lanes. Buddy of mine got rear ended pretty bad a short while ago stopping for tolls.

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Blar3d 7 points handed in 5 months ago

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Trendiggity 1 point uploaded 10 months ago

I can offer any guidance for the tires, Although if you've kept them, can you post the brand and model? I for you to bet they OEM tires that have stayed on the car since new, And at 38K they quite likely quote worn (Original tires on new cars aren really great; They there to acquire off the showroom floor).

As far as the lugnut is worried, The controls stud doesn look that bad. It can likely be cleared up with a proper sized thread repair/die set. The lug nut looks nerfed and really should be replaced, But those are fairly cheap and should be in stock at a local Mazda dealer, Or any auto parts store if you don mind one not matching (just be certain it the same wrench size for your tire iron).

Blar3d 1 point created 10 months ago

Thank you for the feedback! The bolt and nut have already been repaired. the seller "would not release my car" Due to it apparently being a safety hazard without the nut.

Im not sure about is not, But the pair were Yokohoma The tread was fine, as per the dealer (and then SC) extremely, So I cant imagine people were that old. Definitely not nearing 40k worth of wear and tear on them, I think they would have been replaced ahead of I bought the car. I am more worried with the fact that someone could have missed them starting to separate when I went in barely 36 hours prior to everything going to shit.

Are isolating tires that easy to miss?

Blar3d 1 point processed 10 months ago

I do feature the tires, But I not sure how to handle them. as soon as i left my dealer on Friday, I didn notice any shaking or anything off even after running around for the rest of the day and part of Saturday. The reading I done says thr cause is mostly alignment issues and the last one I had was about 3k miles ago and they checked it Friday and said it was fine.

I feel like I totally missing something and I getting cheated but I just can pin point how or from who.

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Blar3d 1 point given 1 year ago

17 months. We met on the web we were always careful not to "speedy" Because we had only been dating a long as we knew each other. Rushing into things because it just feels nice then was something we tried to avoid because that can mask a ton of other underlying conflicts.

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Sun, 08/04/2019 - 01:43 Permalink
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Sun, 08/04/2019 - 09:44 Permalink
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Sun, 08/04/2019 - 09:54 Permalink
Angie Butter (not verified)

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Mon, 08/05/2019 - 10:15 Permalink
ANITA NOAH (not verified)

My ex-husband gave out all the signs that he was having an affair but I chose to live in denial and ignore them. He treated me poorly and stopped showing me the love and affection that got me in love with him in the first place. My cup was full and I couldn't take it anymore. I file for a divorce but I needed proof he was cheating. I was referred to a penetration expert THE_PRIEST@TUTANOTA.COM who gave me a remote access to all applications running on his phone in real time. I had all the proof I needed to end the heartache and emotional torture. Don't lay back and do nothing ladies. If you have a hunch your significant other is cheating go ahead and hack into his phone. You deserve closure and most importantly you deserve a loving relationship.

Mon, 08/05/2019 - 11:32 Permalink
ANITA NOAH (not verified)

My ex-husband gave out all the signs that he was having an affair but I chose to live in denial and ignore them. He treated me poorly and stopped showing me the love and affection that got me in love with him in the first place. My cup was full and I couldn't take it anymore. I file for a divorce but I needed proof he was cheating. I was referred to a penetration expert THE_PRIEST@TUTANOTA.COM who gave me a remote access to all applications running on his phone in real time. I had all the proof I needed to end the heartache and emotional torture. Don't lay back and do nothing ladies. If you have a hunch your significant other is cheating go ahead and hack into his phone. You deserve closure and most importantly you deserve a loving relationship.

Mon, 08/05/2019 - 17:08 Permalink
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Mon, 08/05/2019 - 20:27 Permalink
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Mon, 08/05/2019 - 21:42 Permalink
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Tue, 08/06/2019 - 01:10 Permalink
Teddy Teri (not verified)

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Tue, 08/06/2019 - 02:12 Permalink
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Tue, 08/06/2019 - 07:30 Permalink
Karla Carpenter (not verified)

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Tue, 08/06/2019 - 09:05 Permalink
adam clark (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 700s 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 768, 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 who has never failed me since i knew him, i get loans and more benefits without having to worry..

Tue, 08/06/2019 - 09:09 Permalink
adam clark (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 700s 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 768, 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 who has never failed me since i knew him, i get loans and more benefits without having to worry..

Tue, 08/06/2019 - 10:22 Permalink
adam clark (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 700s 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 768, 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 who has never failed me since i knew him, i get loans and more benefits without having to worry..

Tue, 08/06/2019 - 11:59 Permalink
adam clark (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 700s 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 768, 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 who has never failed me since i knew him, i get loans and more benefits without having to worry..

Tue, 08/06/2019 - 12:00 Permalink
adam clark (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 700s 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 768, 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 who has never failed me since i knew him, i get loans and more benefits without having to worry..

Tue, 08/06/2019 - 12:00 Permalink
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Tue, 08/06/2019 - 17:30 Permalink
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Tue, 08/06/2019 - 17:40 Permalink
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Tue, 08/06/2019 - 18:20 Permalink
josh (not verified)

hello, you probably dont know me, and i dont know you, so why would i want the best for you, its pretty simple, because i got the best for myself, i suffered from a baqd credit score in the past month,and i also had alot of debts, going all around into confusion, i waas not knowing where i would get the money to pay up all i was owing, but i went online one lucky day and met hackerassistant50@gmail.com, and they not only help me fix my credit score but also help me clear my debts, and believe me i was skeptical at first, but they managed to convince me and i went ahead with thier offer and now i am really happy, smiling at a good credit score of 820, no debts, and i can finally get that house i have been wanting to get, so if you need a real help, you can send them a meesage at hackerassistant50@gmail.com, and i assure you they will be of great service to you.

Tue, 08/06/2019 - 20:47 Permalink
millier jose (not verified)

I checked my credit score few months ago and it was around 330 because I had JUST messed it up and i need to upgrade it. Then a few months later it is in the low 300's. So i decide to explain to my cousin if he have a good hacker who can help me get my score up and he introduce me to creditspy, to cut the story short he helped me increase my score from 300 to 800 and also delete my criminal record , i'm so grateful to him and this how i can appreciate his good work contact him now for good job and t doesn't affect it back and it dose not bounces back (CREDITSPYGENIUS AT GMAIL DOT COM)

Tue, 08/06/2019 - 21:38 Permalink
Julian Henshaw (not verified)

I got an inspiring story to tell. Back in 2018 my fiancee and I were preparing for our wedding. I thought everything was going well at my job because I worked very hard, I never showed up late and did more than what was required of me but my supervisor stabbed me in the back and laid me off less than 1 month before my wedding. Horrible experience yeah ?? I was still able to pay for the wedding however after the wedding, I became in a very unpleasant financial position as a newlywed. I began falling behind on loan payments, medical bills, mortgage etc. that I owed which made my credit score plummet. I felt extremely bad because before I was married, I never made a late payment on a single bill. I was trying to figure out a way to build my credit score back up without having to wait several years and by GOD’S GRACE I was introduced to DIGITAL MAESTRO, the much renowned credit expert by a close family friend who also had his credit profile and CHEXSYSTEMS fixed by him. He was able to quickly get every negative item removed from my credit report and increased my score far past where it was before it fell within a manner of 2 weeks without charging exorbitant. I applied for a high paying job which required a credit check and after the interview, I got the job and they offered to pay me $150,000 per year just because my credit report showed I was a responsible person. Here are is his contact options: [DIGITALMAESTRO@TECHIE.COM; +1 218-646-3225], I totally recommend him for your CREDIT and CHEXSYSTEMS fix without further delays. SHALOM !!!

Wed, 08/07/2019 - 00:14 Permalink
hadley (not verified)

IF you are looking for an Efficient, reliable, fast and affordable, those are just the exact words to describe the services rendered by ICON CREDIT REPAIR. I always wanted a house of my own, but couldn’t because of various evictions and negatives on my credit report, I had various loan applications that were rejected all because I had a low credit. A friend informed me about ICON and I quickly contacted them and they did a wonderful job, credit fixing is actually possible cos my score is now 817, and all the evictions on my reports are gone. Yes, ICON CREDIT REPAIR is the best. If you are currently having the same issue, you can get through to them and thank me later.
Email
iconcreditrepair@gmail.com
Text (631) 290-6402

Wed, 08/07/2019 - 01:41 Permalink
Teddy Teri (not verified)

My Husband anf I are very grateful of the assistant Rich, if not of you who help us raise our credit score i dont think will can never get or move to this type of apartment will are into now with the kids. my score was 580 and he move it up to 805 plus i think my honey score was 499 and he help him increase it to 811 Excellent and also clear his debt along the process. into to contact his :RICHSKRENTACYBERSERVICE at GMAIL dot COM or via (440)459-0850!!! Kevin Thanks for introducing Rich Hacker to my Family.

Wed, 08/07/2019 - 02:44 Permalink
Stephanie Doyle (not verified)

Hello everyone! I think i have found solution to 70% of so many people problem about a hacker. And i have seen so many recommendations on every hack/credit site platform. I wouldn’t advise anyone to use most of the hackers site on here as they are fake, delay your work and even rip you off. But if you need a real Fico, Transunion, equifax and experian credit agent to change your school grades, boost or rebuild your credit score? remove every negative item or judgement (Theft & criminal, eviction), clear all debt and even add tradelines to your credit. He also tackles tax aliens, this guy is just the best out there. you can contact (cyberhack005@gmailCom or +1502-378-7817,) I have also used him a few times to change attendance records off skyward and heard he does social network hacks also. Hope that helps? you can also get a loan through them via secured and trusted source. Y'all can thank me later

Wed, 08/07/2019 - 03:03 Permalink
Alex Schroeder (not verified)

I’m writing this review to show my gratitude to the service I received from ACTION CREDIT SOLUTIONS. They helped me fixed my credit score from 582 to 780 in 12 days. Thank you for removing negative items from my report and also paying up my debts. I appreciate your sincerity and commitment during the process. I believe your excellent will definitely speak for you. Please contact them via Actioncreditsolutions@gmail.com / (737) 201-7316. Alex S.

Wed, 08/07/2019 - 03:19 Permalink
joeeng (not verified)

I am Joe Engressia, Certified Ethical Hacker (CEH) — Delivered By Leading Experts‎.
I major in…
Different Kinds of Games Hacking
Credit score increase and decrease
Upgrade University Grades
Facebook, Instagram, Twitter, WhatsApp, Line, Skype Hack
Delete unwanted online Pictures and Videos on any website
All type of Relationship Issues
Remove Criminal Records
Tracing peoples background
Hack bank accounts
Apps hacking
Loading all CreditCard, Bank Accounts, PayPal, Bitcoin, WU, Money Gram with untraceable credit on it. etc.
Contact: digitaldawgpoundhackergroup@gmail.com
phone/hangout/whatsapp: +1(732) 639–1527
digitaldawgpoundhackergroup.blogspot.com

Regards..

Wed, 08/07/2019 - 04:46 Permalink
Giphy olivia (not verified)

I was diagnose with human papilloma virus (HPV) 4 years ago and i met a doctor he told me there is no cure and i have be taking some medication the warts multiplied when trying to removed them and it got me embarrass and pains, luckily few weeks ago i was recommend to Dr Onokun for natural treatment after one week i got 100% cure and all the wart and pains got disappeared, i sheared this post because its part of my life experience, encase anyone need speedy help about this cure email Dr Onokun via, dronokunherbalcure@gmail.com

Wed, 08/07/2019 - 09:07 Permalink
Graham Bell (not verified)

I had credit scores of 350 (Transunion) 440 (Equifax) in January. I applied for a surgery loan in April and was not approved because of my low FICO scores. I contacted my loan officer and he told me that I needed 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. 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 now at WESLEYCAGECREDITEXPERT@GMAIL.COM

Wed, 08/07/2019 - 12:12 Permalink
sarahanderson (not verified)

my name is Sarah Anderson and for almost 2 years now, I have been fighting and disputing with Experian, Equifax and Trans Union about many negative items that are appearing on my credit reports that do not belong to me or have I ever associated with as I was a victim of identity theft. I have faxed and emailed to all of them the mandatory documentation and everything else however, they keep coming back with removing absolutely nothing. I hired 2 credit repair agencies, Lexington Law and credit repair dot com and again that was a waste of time and they all scammed me for over $2100.00. thereafter, I contacted the computer warehouse credit and they offered a professional service to me. They removed all the negative items and increased my score to 798 within 7 days and that was a blast. here is their contact info: (C O M P U T E R W A R E H O U S E . C R E D I T @ G M A I L . C O M, +1 415 649 9628 OR WHATSAPP THEM ON +1 903 213 5023).

Wed, 08/07/2019 - 13:15 Permalink
sarahanderson (not verified)

my name is Sarah Anderson and for almost 2 years now, I have been fighting and disputing with Experian, Equifax and Trans Union about many negative items that are appearing on my credit reports that do not belong to me or have I ever associated with as I was a victim of identity theft. I have faxed and emailed to all of them the mandatory documentation and everything else however, they keep coming back with removing absolutely nothing. I hired 2 credit repair agencies, Lexington Law and credit repair dot com and again that was a waste of time and they all scammed me for over $2100.00. thereafter, I contacted the computer warehouse credit and they offered a professional service to me. They removed all the negative items and increased my score to 798 within 7 days and that was a blast. here is their contact info: (C O M P U T E R W A R E H O U S E . C R E D I T @ G M A I L . C O M, +1 415 649 9628 OR WHATSAPP THEM ON +1 903 213 5023).

Wed, 08/07/2019 - 13:16 Permalink
Martha Mcintyre (not verified)

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.

Wed, 08/07/2019 - 14:05 Permalink
Nguyen (not verified)

CONTACT US FOR ALL KINDS OF HACKING JOB @ chauphampham42@gmail.com We offer professional hacking services , 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.
Contact us at chauphampham42@gmail.com or text or call (601) 357-3187 for more inquiry..
Track Calls log and Spy Call Recording.
Monitoring SMS text messages remotely.
Cell phone GPS location tracking. Spy on Whatsapp Messages.
Free Update and 100% Undetectable.
Track BBM messages and Line messages. Track Internet Browsing History and Read phone Access Address Book, totally worth your money, please no time wasters, he won't under any circumstances work for free, you can reach him by email chauphampham42@gmail.com or add on Hangout or call on (601) 357-3187 and text

Wed, 08/07/2019 - 16:11 Permalink
Daniel anderson (not verified)

I used to have trouble renting just an apartment due to the evictions i had on my credit report. so i performed the necessary by going online in search of a good and reliable hacker, luckily for me i found the perfect one. He really proved himself to be one of the best. He did not only raised the scores but also cleared the evictions, inquiries and negatives. Email asap at jackcraigcreditrepairer@gmail.com in case you have any credit card and Loan issues. You can also reach him on his number +14135294026. Tell him i Daniel Anderson referred you.

Wed, 08/07/2019 - 22:44 Permalink
PETER STEWART (not verified)

I believe it was impossible to alter grades on a university database. I was in desperate need of a grade reconstruction. I was in dire need of an hacker with incredible penetration abilities. I stumbled on THE_PRIEST@TUTANOTA.COM who had tremendous reviews of successful grade re-constructions without a detection from the school's security. I put my faith in The Priest. I was anxious and worried through the 72 hours of the project. It has been over a month now and my grades are great and there's been no detection. I owe it to you THE_PRIEST@TUTANOTA.COM you are my hero!!

Wed, 08/07/2019 - 22:57 Permalink