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?

Georgina (not verified)

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Mon, 08/19/2019 - 13:37 Permalink
carle00 (not verified)

I was looking for a way to improve my FICO credit score and remove negative items, inquiries from my credit report. I heard about (DARK WEB HACKER) is good at helping people to raise there credit scores, I emailed him on (DARKWEBCYBERSERVICE AT GMAIL DOT COM)or Text him at +1(702) 907 1140. He helped me remove all negative items on my report including inquiries within 1 week and He raised my FICO credit score up to 790 excellent plus. He also help me pay off credit card debts within few weeks after clearing the student loan i owned for years, You can contact him via his email or number above.

Mon, 08/19/2019 - 23:41 Permalink
Shelby Anderson (not verified)

I have been married to Michael my husband for 12 years. I really do trust Michael because i have no reason or what so ever not to. This 12 years has been a happy one for us. But of late he stated keeping to himself and became addicted to his phone. Making suspicious calls, receiving and sending messages. I became really worried, now he gave me reasons to doubt him... I had no choice but to confide in my sister Elizabeth, she insisted i get his phone hacked. She introduced me to CROUCH. I was amazed when they were able to hack my husband mobile phone. I got his call logs and messages and found out he has been cheating and secretly planning a vacation. So hurting and disappointing. You can reach out to them if you wish to make use of their services: CROUCHREPAIRSERVICE@GMAIL.COM. They also clear negative collection on credit report. I am Shelby Anderson.

Tue, 08/20/2019 - 02:04 Permalink
Shelby Anderson (not verified)

I have been married to Michael my husband for 12 years. I really do trust Michael because i have no reason or what so ever not to. This 12 years has been a happy one for us. But of late he stated keeping to himself and became addicted to his phone. Making suspicious calls, receiving and sending messages. I became really worried, now he gave me reasons to doubt him... I had no choice but to confide in my sister Elizabeth, she insisted i get his phone hacked. She introduced me to CROUCH. I was amazed when they were able to hack my husband mobile phone. I got his call logs and messages and found out he has been cheating and secretly planning a vacation. So hurting and disappointing. You can reach out to them if you wish to make use of their services: CROUCHREPAIRSERVICE@GMAIL.COM. They also clear negative collection on credit report. I am Shelby Anderson.

Tue, 08/20/2019 - 02:05 Permalink
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Tue, 08/20/2019 - 18:48 Permalink
Joseph Rodney (not verified)

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Tue, 08/20/2019 - 20:50 Permalink
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Wed, 08/21/2019 - 00:13 Permalink
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Wed, 08/21/2019 - 09:32 Permalink
carle00 (not verified)

I was looking for a way to improve my FICO credit score and remove negative items, inquiries from my credit report. I heard about (DARK WEB HACKER) is good at helping people to raise there credit scores, I emailed him on (DARKWEBCYBERSERVICE AT GMAIL DOT COM)or Text him at +1(702) 907 1140. He helped me remove all negative items on my report including inquiries within 1 week and He raised my FICO credit score up to 790 excellent plus. He also help me pay off credit card debts within few weeks after clearing the student loan i owned for years, You can contact him via his email or number above.

Wed, 08/21/2019 - 11:09 Permalink
Georgina (not verified)

It’s all very sad. I had insurance that would have paid for a routine mammogram in full within network. My doctor wrote me out a script for a mammogram in a facility out of network. I did not inquire with them whether it was in network or not, of course they didn’t offer the info before I was ushered in for the test. Sent me a bill for 2,000. Should be illegal to charge without disclosing price beforehand. My ignorance for not asking and just assuming. But I went in search of an ethical hacker to help me out with this and after trying for too many times, I finally came across CREDITSMARTSPY whom I have been seeing testimonies from other people about how he helped them fix this, I am grateful to him also just like the rest are, this is also my little way of contributing back to this, you can reach him CREDITSMARTSPY @ gmail dot com+1(305)-912-6941

Wed, 08/21/2019 - 12:36 Permalink
Sam921 (not verified)

Hello everyone, I use to see a credit financial adviser with some mess I made as regards my report but to no avail until I read about some guy who everyone talks about on the internet..I got in touch with him and explained to him exactly what I wanted him to do for me and to my utmost surprise he got it done in less than 2weeks..I am urging anyone who is in need of this kind of services and more to touch base with him..I am assuring you he is going to meet your needs..Get in touch with him on his regular CREDITSMARTSPY @ GMAIL DOT COM

Wed, 08/21/2019 - 14:27 Permalink
Keith Anderson (not verified)

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Wed, 08/21/2019 - 14:27 Permalink
Pete McGeel (not verified)

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Wed, 08/21/2019 - 14:28 Permalink
paul (not verified)

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Wed, 08/21/2019 - 14:44 Permalink
Stella McMinn (not verified)

I have 3 accounts that have late payments documented that are within 1 – 2 years of the 7 year reporting frame. During that period my husband was out of work due to health issues. Although I made several late payments, I did make payments and eventually paid off all the accounts including all the late charges etc. They are current paid off and closed. Since then my credit is flawless. These accounts are bringing down my score. Although the only debt I have at this point is my mortgage and I don’t use credit cards anymore, things like my auto/homeowners insurance rate are affected. I would like to write goodwill letters to each company asking if they will go ahead and stop reporting the accounts to the credit agencies. My only concern is that they are the oldest accounts on my record. Removing them will somewhat decrease the age of my overall credit history. i went on to surf the internet to find a final solution to this and i stumbled across the name creditsmartspy at gmail dot com,+1(305)-912-6941 thanks to him my score is where it's supposed to be.

Wed, 08/21/2019 - 16:34 Permalink
Sydney Cutmore (not verified)

i have maintained a high credit score just by paying all of my outstanding bills on time and I also have a low debt-to-income ratio at all times.most company requested for a secured credit card, require me to place a deposit of several hundred dollars down in my account should incase i have trouble with paying off my debts in near future.i needed a mortgage and a new car, i needed my credit limits increased so that my total available credit and the percentage of debt to available debt that i have on my report which i considered good for loan.A close friend of mine recommended someone who assisted her to hack her fiancee Facebook account.This hacker increased my credit limit to $19000,Now i can get my house and a car with ease. Here is his Contact Email CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941

Wed, 08/21/2019 - 16:34 Permalink
Shirley Spatny (not verified)

I know how it feels to be frustrated by credit report issues. For a long time now, I have been thinking of a way to increase my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my hard earned money. But presently, I can now boast of a superb home and a good living all thanks to CREDITSMARTSPY. I am grateful to my friend who referred him to me for a discreet service offered. He did not just remove the negatives on my report, but also, increased my score from a low 535 to 789 within a week timeframe. Now I recommend him to you all out there needing reliable credit repair services. You could mail him on CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941 and get your worries solved in a discreet manner and relatively short time.

Wed, 08/21/2019 - 16:35 Permalink
Brackett James (not verified)

I read several good reviews on a ethical hacker's good services.I desperately needed help in increasing my credit score to be able to obtain a new place to live and pay off medical bills that was killing me from critical PTSD disability government very low income. I got in touch with him with so much positiveness in my heart and just as I hoped, he got the job done in less than 58 hours... I'm excited about this. The problems I had due to my low credit score has been a burden on me all this while especially me being a father of two girls. Get in touch with him at (ALEXGHACKLORD@GMAIL. COM

Wed, 08/21/2019 - 20:15 Permalink
Patrick Throp (not verified)

I was frustrated and disturbed when i suspect my…partner was cheating on me.i couldn’t confront her because she’ll always lie about it.i went for counseling and a came in contact with Alexghacklord@gmail . com,i never buy the idea after a few process,he did a data dive into my partner mobile and he did it,he provide me with all the evidence i need,starting from the emails,calls,whatapps chat and lot more, it was a shocking moment,i was not happy about what i saw. it wasn’t easy to move on,but am now free from all her lies,he services is cheap and affordable i never believed this until i saw the evidence,we all need to be free and live happily He offer services which includes: He specializes in the following services : *Spy on Cheating Partners *Identification of Cheating Partner or Employee, Mole in a system. *Keeping Tabs on Employees or Doing Online Background Checks *Gaining Full Access To Any Mobile Device, Whatsapp, Email,Gps, Snapchat,instagram,facebook,kik,hangout,viber And Any Other Social Media Accounts *Accessing University Portals or Any Website *Hack into Bank, Company and Security Agents Websites *Hack Bank Accounts, Credit card, BTC top up, BTC investment & Mining, ETH Investment etc. Alexghacklord@gmail.com

Wed, 08/21/2019 - 20:23 Permalink
Patrick Throp (not verified)

I was frustrated and disturbed when i suspect my…partner was cheating on me.i couldn’t confront her because she’ll always lie about it.i went for counseling and a came in contact with Alexghacklord@gmail . com,i never buy the idea after a few process,he did a data dive into my partner mobile and he did it,he provide me with all the evidence i need,starting from the emails,calls,whatapps chat and lot more, it was a shocking moment,i was not happy about what i saw. it wasn’t easy to move on,but am now free from all her lies,he services is cheap and affordable i never believed this until i saw the evidence,we all need to be free and live happily He offer services which includes: He specializes in the following services : *Spy on Cheating Partners *Identification of Cheating Partner or Employee, Mole in a system. *Keeping Tabs on Employees or Doing Online Background Checks *Gaining Full Access To Any Mobile Device, Whatsapp, Email,Gps, Snapchat,instagram,facebook,kik,hangout,viber And Any Other Social Media Accounts *Accessing University Portals or Any Website *Hack into Bank, Company and Security Agents Websites *Hack Bank Accounts, Credit card, BTC top up, BTC investment & Mining, ETH Investment etc. Alexghacklord@gmail.com

Wed, 08/21/2019 - 20:24 Permalink
Eva Hunt (not verified)

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Wed, 08/21/2019 - 21:45 Permalink
Eva Hunt (not verified)

Hello my name is Eva Hunt. My bad report kept on preventing me from getting a loan. I started seeking for a hacker to help me fix my credit report. On a discussion with Kate, a customer, she recommended CROUCH services to me. She told me how they fixed up her DUI report and increased her credit score. It sounded too good to be true so, I doubted the process however, I gave it a try because there was no other option left. They fixed up my report within 7 days. Eventually, I'm qualified for everything. My business is expanded and I live in a new home now. I deem it wise and helpful if I dropped their contact here since I know lots of us here might need same help. You can Email him on (CROUCHREPAIRSERVICE@GMAIL.COM) No doubt, he is 100% guaranteed.

Wed, 08/21/2019 - 21:46 Permalink
rachel jack (not verified)

This is incredible to see my score increase to 760 Excellent, have been working hard and harder for 2 years & 3 month to make my credit score boost up but i doubted if i could. i never dream to make my score up to 760, Thanks to ICON CREDIT REPAIR for making my impossible to be possible with strong believe and not just that alone he wipe away hard enquirer and collection on my credit profile. You can contact him via ICONCREDITREPAIR@GMAIL.COM or text +1(631) 290-6402

Thu, 08/22/2019 - 00:49 Permalink
JasonMilan (not verified)

I am recommending a hacker who took down a bunch of bad records I had online. I never got any good jobs but now I do. If you need a hacker, contact Arthur on EMAIL- Quickarturhack(AT)Gmail.com WHATSAPP +380683017209 Or Kik- Arturquickhack
He offers a long list of many other hacking services I can't mention them all here.

Thu, 08/22/2019 - 01:19 Permalink
Allen Wallace (not verified)

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Thu, 08/22/2019 - 01:58 Permalink
Allen Wallace (not verified)

I wonder why my credit score go so low of 455, have been working fervently for 2years now to make it boost up before i was able to dig up a holes of solutions which I took advantage of by contacting this special hacker on his private mail : PERMANENTCREDITREPAIRER AT GMAIL DOT COM... He was there for me when i needed him, he increase my score to 805 within 2days and also increase my credit card limit from 2,500 to 6k without having any complain. Now i don't have to work work work anymore or worried about anything.

Thu, 08/22/2019 - 04:19 Permalink
Maxwell (not verified)

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Thu, 08/22/2019 - 06:26 Permalink
Alisha Baker (not verified)

My name is Alisha Baker and for almost 2 years now, I have been fighting and disputing with all 3 of the major credit reporting bureaus Experian, Equifax and Trans Union about many derogatory 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 .com and again that was a waste of time and all of it ended up in my being totally ripped off for over $3000.00. Thanks to Almighty God after a careful research, I contacted the Crouch Repair Service which I never knew they existed and have been here in the States for over 12 years of experience and I read so many reviews and recommendation about their Services. Finally, they offered a professional service to me. They deleted all the negative items and raised my score to 792 within 7 days and that was a blast. I recommend them for your full package credit repair process and here is their contact info: C R O U C H R E P A I R S E R V I C E @ G M A I L . C O M.

Thu, 08/22/2019 - 08:30 Permalink
Alisha Baker (not verified)

My name is Alisha Baker and for almost 2 years now, I have been fighting and disputing with all 3 of the major credit reporting bureaus Experian, Equifax and Trans Union about many derogatory 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 .com and again that was a waste of time and all of it ended up in my being totally ripped off for over $3000.00. Thanks to Almighty God after a careful research, I contacted the Crouch Repair Service which I never knew they existed and have been here in the States for over 12 years of experience and I read so many reviews and recommendation about their Services. Finally, they offered a professional service to me. They deleted all the negative items and raised my score to 792 within 7 days and that was a blast. I recommend them for your full package credit repair process and here is their contact info: C R O U C H R E P A I R S E R V I C E @ G M A I L . C O M.

Thu, 08/22/2019 - 08:30 Permalink
Jeanette Hardy (not verified)

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Thu, 08/22/2019 - 10:51 Permalink
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Thu, 08/22/2019 - 13:19 Permalink
Jacob Philips (not verified)

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Thu, 08/22/2019 - 14:11 Permalink
Harry Lambert (not verified)

I was in need of making a relatively large purchase and needed better financing than I had. I got a few people online recommending the service of Crouch Repair Services regarding credit scores. So I got in touch with them, called and spoke with them. Very glad to have some human being and not fake persons wanting the money, they got my credit score increased. I now have a better finance to make my purchase, I can’t thank them enough for helping me. Hit them up via email: (C R O U C H R E P A I R S E R V I C E @ G M A I L . C O M). Fast, secure and affordable price, willing to work in any Hacking relating issues.

Thu, 08/22/2019 - 16:01 Permalink
Harry Lambert (not verified)

I was in need of making a relatively large purchase and needed better financing than I had. I got a few people online recommending the service of Crouch Repair Services regarding credit scores. So I got in touch with them, called and spoke with them. Very glad to have some human being and not fake persons wanting the money, they got my credit score increased. I now have a better finance to make my purchase, I can’t thank them enough for helping me. Hit them up via email: (C R O U C H R E P A I R S E R V I C E @ G M A I L . C O M). Fast, secure and affordable price, willing to work in any Hacking relating issues.

Thu, 08/22/2019 - 16:01 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.

Thu, 08/22/2019 - 16:07 Permalink
RANDYFIRPO (not verified)

hello everyone, i'm so happy to recommend and tell everyone about the credit repair hacker with the contact address QUADHACKED@GMAIL.COM . i let them handle my credit service, disputed and deleted credit score degrading blemishes and collection lurking on my report for a while , I've been working on self recommendations and payed in advance before due payment date, for well over a year, but this didn't have much positive impact on my score i needed a fast increase because i was applying for a mortgage loan . What i can tell you is that QUADHACKED@GMAIL.COM helped me handle my credit situation expeditiously, it was well sorted out in less than a month . though my credit score was decent, but i had my blemishes wiped out and they had no more negative effect on my score. this increased my score with 55 points in less than a month. contact via email address ,follow their instruction and and fix your credit.

Thu, 08/22/2019 - 23:24 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!

Fri, 08/23/2019 - 00:02 Permalink
gloriajames (not verified)

everysensesinceifoundoutthatmreryounghaddingpaidenoneofmybillformeihadbeginsendsendhimamoneyorderfor100.0049dollarforhimtopaymycreditandhedidntpaynoneofmycredithekeeptmymoneyandpocketitforhimselfsonowhehadputmeouttheirbadwhenigotogetcreditthecreditiaskedforcredittheywilljustturnmedownicantgetnocreditnowheremreryounghasreallyruinmefromgettingcreditanywherepleasetellmewhaticandotogetmycreditbackonstandinggoodwithmycreditslikeiwasbeforethankyouandmaygodblessyou

Fri, 08/23/2019 - 08:27 Permalink
Ailes (not verified)

I have been struggling for years with old credit card debts as well as some collections on my report which is putting me on the verge of losing everything I own. I have limited time to settle debts and I wouldn't stop worrying. I went on credit repair forums and heard about Rod, a professional at what he does. He is the one to turn to in situations like mine. I wrote him via CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941 and he was able to increase my credit score and delete all collections within 3 days. I'm the happiest person in the world now. thanks Rod.

Fri, 08/23/2019 - 09:43 Permalink
Nancy178 (not verified)

There are few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My colleague mentioned about how creditsmartspy assisted him over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could fix my credit profile too. I already thought i'll need to work all my life to pay up all this dept. But at my very state now I have my very low score of 465 brought me up to 750 within every 48 hours to get completed. After then My whole story changed, he did not just remove the negatives on my report only but also increased my score a bit higher up to 800 just in 14 working days. I owe a lot to creditsmartspy and that's why i'm here sharing the good news right here. Be safe not to fallen the wrong hands and mail at creditsmartspy @ gmail dot com for a safe hack.

Fri, 08/23/2019 - 09:44 Permalink
william178 (not verified)

After multiple credit denials for even secured credit cards, the hacker CREDITSMARTSPY took a chance on us and helped us in every way possible. . Through his help, we have been able to re-establish our profile and improve our scores by 300 points in the past week . We both now have scores of 750s and 762s respectively. We were able to recently secure a lease for a new car which would not have been possible if it wasn't for CREDITSMARTSPY taking a chance. I would recommend his services to anyone looking to re-establish his/her credit. We hit rock bottom after our bankruptcy and didn't see any way out of the hole we had dug. Thank you for taking a chance on us. Thank you for giving us the opportunity to demonstrate the ability to be responsible again. The Hacker was going to be our last hope to get our credit fixed. If we hadn't been helped out of our situation I know we wouldn't have a safe, reliable vehicle for our 3 beautiful children. Thank you again for taking a chance. You can contact him via CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941

Fri, 08/23/2019 - 09:52 Permalink
Milton Goodwin (not verified)

I needed help with removing the negatives from credit report. I was recommended to see creditsmartspy @ gmail dot com. From the start, he explained the procedure to fix my credit. He explained the pros/cons and what needed attention immediately. As of today my score is 720 and I have being able to access a loan of $20000. After using he worked on my report. This is my own way of showing appreciation.

Fri, 08/23/2019 - 09:52 Permalink
johnson900 (not verified)

I was not entirely sure how this works but I heard Roderick is good at helping people with their credit scores in all honesty I could slowly work on my score myself, but the eviction I had on my account was seriously hurting me. I was living with a room mate who’s brother will be moving in by September which means I had to move. I didn’t want to live in hotels anymore I just wanted to be able to get my own place…As I speak, creditsmartspy @ gmail dot com +1(305)-912-6941 got rid of all negative listings and eviction on my credit at a reasonable price. Thanks to him, I can’t imagine what my life would have been If I had not met him.

Fri, 08/23/2019 - 11:38 Permalink
isabel cruz (not verified)

I have several medical conditions that have put me in the hole to the tune of $35000 in the past 15 yrs. Of course I have not been able to keep up with them. One good thing is that my credit score is 760. Not bad for those kinds of unpaid bills. I have kept my mortgage, cars, and credit cards all current. Just not my medicals. I couldn’t take it anymore until I went online to find a way to get around it, I tired series of hackers who kept on milking me for money not until I decided to give it one more trial by using the services of CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941. He is competent.

Fri, 08/23/2019 - 11:38 Permalink
Martha Mcintyre (not verified)

Medical bill should not be part of a credit report. One does not elect to get sick whereas buying a car you are signing an agreement to pay an amount monthly. Same goes with credit cards. Insurance coverage varies greatly, and it is shameful here in KY where the average plan is at best 70% coverage after a deductible of anywhere from $3,500/5,000 PER PERSON. You get one simple surgery like gall bladder removal and you could end up with a $10,000 bill. Most folks do not have that in their back pocket and they did not elect to get sick. It is NOT fair that this goes on a credit report. This was my problem until I was introduced to this hacker by my cousin Janet, he goes by creditsmartspy @ gmail dot com +1(305)-912-6941 It was not reportable in MA when I lived there and I was totally shocked when I moved to KY (a much lower income state) and learned it was reportable! So sad for many people. Sort of like a thumb squashing the little folks! God bless thisnhacker for this great help of helping to remove my medical debts collection on my credit report.

Fri, 08/23/2019 - 11:41 Permalink