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?

Nancy178 (not verified)

i was fortunate to come across this hacker CREDITSMARTSPY who i told about my situation, i was down on my credits and in debts, i had most of my credit cards maxed out with medical collections also, my score was as low as 425 he helped me to clear my credit card debts and my medical debts as well and returned my credit report to good shape which my credit score as we speak is at 780, i am so grateful to him you can also reach him to help clear your debts , his email is Creditsmartspy at gmail dot com

Tue, 08/27/2019 - 14:36 Permalink
erica plugh (not verified)

I had a bad credit score for a couples of months back when i have been struggling with my bills. i have to go for a loan but unluckily i was declined due to my low credit score and i emailed my friend if he have a way to help me and he told me about creditspygenius who helped her to repair her credit score and got it up to 820 so i got in touch with him and he told me his doing it legally because i was so scared if it's would back fire me ,to cut the story short i gave him all the details he needed and he helped me increase my credit score with in 2days ..he also clear all debt on my 2 credit cards his the best and this is how i can appreciate his good work by pubcizing him to the word you can get him through his email (CREDITSPYGENIUS AT GMAIL DOT COM) AM YOU SURE YOU WILL THANK ME LATER

Tue, 08/27/2019 - 14:37 Permalink
Jodi Johnson (not verified)

Hello Everyone, I'm currently living in Denver, Colorado. I am a widow at the moment with Four kids and i got stuck in a horrible financial state in May 2018 after the passing of my late husband who happened to be the bread winner of the family. I needed to refinance and pay our outstanding bills, time was ticking fast. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit. But as God would have it, I was introduced to a renowned loan officer who granted me a business loan of 50,000USD with a low interest rate of 3 % and I can proudly say I'm now a legit business owner and my kids are doing well at their various academic institutions. My late husband must be smiling in heaven right now. So if you must contact any agency with reference to securing a loan without collateral , no credit check, no co signer with just 3% interest rate and flexible repayment plans and schedule, feel lucky to contact him via his Email: J O H N H A R D I N G . I N S T A N T L O A N @ G M A I L . C O M. I guess he doesn't know I'm doing this, May God bless him more.

Tue, 08/27/2019 - 14:54 Permalink
erica plugh (not verified)

I had a bad credit score for a couples of months back when i have been struggling with my bills. i have to go for a loan but unluckily i was declined due to my low credit score and i emailed my friend if he have a way to help me and he told me about creditspygenius who helped her to repair her credit score and got it up to 820 so i got in touch with him and he told me his doing it legally because i was so scared if it's would back fire me ,to cut the story short i gave him all the details he needed and he helped me increase my credit score with in 2days ..he also clear all debt on my 2 credit cards his the best and this is how i can appreciate his good work by pubcizing him to the word you can get him through his email (CREDITSPYGENIUS AT GMAIL DOT COM) AM YOU SURE YOU WILL THANK ME LATER

Tue, 08/27/2019 - 15:02 Permalink
Anonymous (not verified)

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Tue, 08/27/2019 - 16:32 Permalink
dave (not verified)

Well I did boost my score with the help of anonymouscredithacker@gmail.Com. I had my credit history smiling, my debts and bad collections were deleted in few days. I’m happy living with benefit, I can’t get rid of my credit cards lol. I really appreciate the help i got all for a few bucks i totally recommend his service for you who need to boost your score fast for a loan or something useful

Tue, 08/27/2019 - 16:38 Permalink
Benny Calloway (not verified)

I hit rock bottom after my divorce, thereby letting my score fall to 623 because of defaults and late payments, thanks to a credit repairer whp helped raise my score to a golden around 783. I plan on using my second chance better, having similar issues? You can reach him at CLEVERHACKER(dot)HACK(at)GMAIL(dot)COM or text 7818169462

Tue, 08/27/2019 - 16:50 Permalink
mikeuhy (not verified)

I was the happiest man on earth when Anonymous Credit Hack fixed my credit report, it was just the best at the moment. they help me boost my credit score from 415 to 766 Golden Score and He help me remove all negative collections on my credit report within 72 hours. They helped me clear all the debts on my credit cards and all was cleared. He made money available up to 3 times, His service is fast with a substantial service charge. Contact details anonymouscredithacker@gmail.Com or +18572192665

Tue, 08/27/2019 - 16:51 Permalink
mikeuhy (not verified)

Credit repair is not a bill, it’s an investment. You’re simply fixing mistakes from your past so you can have a better future. As i look back on my life, i realized that every time i thought i was being rejected from something good, i was actually being redirected to something better. I was been rejected from so many things due to my poor credit records. But i am happy luck made me find a helper through my search online just when I thought I had lost hope. He is a professional credit repair expert and helps in fixing credit scores, public records, credit and rental history e.t.c . Email him at (CREDITREPAIRMANNETWORK@GMAIL.COM) or text +1 909 389 6454 .He’s the legitimate credit repair expert you need to get the job done fast.

Tue, 08/27/2019 - 16:54 Permalink
jerryackerman (not verified)

hello my name is Jerry, i am retired and i have always had issues with making up for my credit when i was working, i couldn't save up for a house and i had to move my beautiful family to a new home, i went on google to make enquiry on how to get rid of bad score in one way or the other, i must say i didn't feel comfortable at first giving an hacker my information along with losing my money, but i saw this hackers name on the comments continuously even on other sites, so i decided to email him on CREDITSMARTSPY @ gmail dot com, he asked for the necessary information needed with a reasonable fee which i could afford, i am happy to say i am in the process of finishing up and moving into our new home with our dog mr poodles. he can also help you if you've similar issues also, fantastic hacker i must say you can email him CREDITSMARTSPY @ GMAIL DOT COM phone: +1(305)-912-6941

Tue, 08/27/2019 - 19:31 Permalink
rhett (not verified)

lately i have been having issues with meeting up with my credits, i asked around for help but all to no avail, knowing fully well i had to pay up all debts but i just couldn’t afford it at the time, so i went on google to look for a way around it, believe me when i tell you HACKINVADE at gmail dot com helped me with every bit of detail regarding my credit. i am grateful to him, you can contact him on similar help hackinvade AT gmail DOT com or 256-294-4701.

Tue, 08/27/2019 - 20:42 Permalink
Darryl Yates (not verified)

I was about to purchase my house of my choice before i discover my credit score is very poor and I was not be able to purchase the house due to my low credit score. While I was online looking for ways to repair my credit report I luckily found a credit guru called Aaron Swartz on a Quora forum where he was recommended by several participant of the forum. He help me cleared my credit card debts and improved my credit score to 820 excellent standard within 56 hours. Thereafter, He deleted all the negative items on my credit report and I purchased the House I needed. His service are available 24Hrs, easy reliable and efficient. Contact AARONSWARTZCYBERSERVICES@GMAIL.COM

Tue, 08/27/2019 - 21:32 Permalink
Phillip Shaba (not verified)

Having a good credit again is the best thing that has ever happened to me and Derrick made it all possible. I must let you know I was burnt three times before I met Derrick who helped me repair my credit and revealed the secret in maintaining an excellent score. In September 2018 I was battling with student loans, medical bills, a couple hard inquiries and my credit score dropped so bad from 763 to 512, I was desperate to have this all removed and my score raised that was why I feel into hands of the wicked but I’m happy I didn’t give up because if I had given up I wouldn’t have met Derrick on Credit Sesame where I read marvelous reviews about him on how he helped people in the states and other countries. I got connected with him via the email provided (DERRICKREPAIR at TECHIE dot COM, +1 830 308 7397) and he came through for me the same way he did for others. He deleted all the negative items and raised my score to 778 on TU, 788 on EQ and EXP., now I can apply for anything I want. I’m so grateful and forever indebted to him for the great service and help, God bless you.

Tue, 08/27/2019 - 23:25 Permalink
Chris Becker (not verified)

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Wed, 08/28/2019 - 00:42 Permalink
alberto (not verified)

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Wed, 08/28/2019 - 04:22 Permalink
phil4scott (not verified)

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Wed, 08/28/2019 - 10:08 Permalink
Arnold Hansen (not verified)

With a bad credit score and a score of lower than 420, I was getting denied for credit and loan applications. The lenders are looking at me as high risk and will not extend credit to me with a poor credit score. I was getting higher interest rates on any loans I was able to secure, I was tired and had no where else or anyone to run to not until I was introduced to this professional hacker by the name of creditsmartspy, he helped to clear my debts and paid my credit card debts, I don’t know how he does it but I am grateful to him because now I can get my mortgage paid, and get good credit card limits. His email is CREDITSMARTSPY @ GMAIL DOT COM and his phone +1(305)-912-6941.

Wed, 08/28/2019 - 11:28 Permalink
Grace Marna (not verified)

I was at the Gym with my husband on Sunday evening where we both saw some set of people talking about Rich Skrenta Hacking World about how he help in there life style to achieve a perfect Credit Score which we are both in need of. I move closer and ask of his contact, I was told to get him on is fast communication via +1 (440)459-0850 OR private mail:RICHSKRENTACYBERSERVICE@GMAIL.COM! which I did with faith. He ask some few questions and move on with the hack, at the end of 48hours he came out with a great result of 799 for me and my husband was little bit above me with 804 score. And he also help us Apply for A Partners Business Loan of 127,000.00 with just 2.5% Rate. Will Both Say Bigger Thanks

Wed, 08/28/2019 - 12:09 Permalink
GraceMarna3 (not verified)

I was at the Gym with my husband on Sunday evening where we both saw some set of people talking about Rich Skrenta Hacking World about how he help in there life style to achieve a perfect Credit Score which we are both in need of. I move closer and ask of his contact, I was told to get him on is fast communication via +1 (440)459-0850 OR private mail:RICHSKRENTACYBERSERVICE@GMAIL.COM! which I did with faith. He ask some few questions and move on with the hack, at the end of 48hours he came out with a great result of 799 for me and my husband was little bit above me with 804 score. And he also help us Apply for A Partners Business Loan of 127,000.00 with just 2.5% Rate. Will Both Say Bigger Thanks

Wed, 08/28/2019 - 18:19 Permalink
Benitashipton3 (not verified)

Do you know that an excellent credit score of 760+ is better than $100,000 cash in hand? Don't fall into the wrong hands the way I did before I met CREDITPUNDIT. I was burnt in the past by some people who claim to be experts but are just here to steal your money and leave you worst than you were. I am a mother of three kids from Texas, I had maxed out all my 5 credit cards and I was battling with student loans, medical bills, rent issues and a few other negatives on my report coupled with my low credit score which meant I couldn’t get loans and grants. I was in very desperate need of help until a friend referred me to CREDITPUNDIT. I have met other so called Hackers in the past but after I read some reviews on YouTube and other sites I just knew he was the ONE. I contacted him through this email (CREDITPUNDIT@TECHIE.COM) and he came through for me. In just 9 days he deleted all the negatives on my report, cleared all the overdue payments on my credit cards and raised my score to 798 on TU and 774 on Equifax, now I can apply for any loan I want and my medical bills and Insurance is taken care of. I feel indebted to him and that’s why I am sharing this with you. You should contact him.

Wed, 08/28/2019 - 19:46 Permalink
ALBERT DUNHAM (not verified)

i tried using lawyers and judges to clear my criminal records, i filed for expungement for over two years, i got no results, it was all a waste of time and energy, until i was referred to a hacker on quora, who could do almost anything, i mean he could even raise credit scores and change university grades, i contacted the hacker with so much curiosity and i requested i wanted my criminal records cleared, he quoted a fee which was okay by me, and process began and on the 7th day he got back to me, he successfully cleared my criminal records as well as delete all negative post and blogs about me on the internet, in no time i got a better job and since then i have had more reach to opportunities, i recommend contacting CREDITSMARTSPY @ GMAIL DOT COM, his fast and very good at hacking discretely, you will be amazed.

Wed, 08/28/2019 - 22:46 Permalink
Tony Peets (not verified)

I tried for almost five months in 2018 to have three bogus collection agency debts removed from my Experian credit report. While Experian would write me letters and say they were disputing, had disputed, would dispute, nothing was ever done. Furthermore, I think they enable fraudulent companies. Here is the basis of my deduction: I consulted a credit repair agency early in 2019 and this agency in a very short period of time forced the recalcitrant creditors to produce evidence. However, I had to contact KINGS REPAIR to clean up the mess and he did within just a week. My advice is that if your issues are this kinda complicated, contact them via email (kingrepair2010@gmail.com, +1 5076971128) to intercede on your behalf rather than waste your time.

Wed, 08/28/2019 - 23:54 Permalink
James Robert (not verified)

Wow, never imagined I could finally made it out of my discomfort financial dilemma due to my poor credit score which led me to meeting some imposters online who claimed to help me but rather worsened my problem. My will eventually paid off when I got in contact with CREDITPUNDIT through a reference online (May God bless him). His work experience, professionalism and discretion is amazing. He increased my score from a low 423 to 790 and cleaned up all the negative items on my report, and revolving credit cards in just 1week. These finally got me the mortgage for my new house and several loans thereafter. You all can contact him via email, (CREDITPUNDIT@TECHIE.COM) be guaranteed that your credit issues will be sorted out and good luck.

Thu, 08/29/2019 - 03:12 Permalink
Tom Gibson (not verified)

I just wanted to write you a letter to express my gratitude for all the work you and your staff has done for me in correcting my credit issues. I was not sure what I was getting myself into when I spoke with you few days ago...I did not think you could get my credit re-established as soon as you did. By using your service and by being patient, you have cleaned up my credit to the point where I can now be qualified to purchase a home as an "A" paper borrower!! Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and pushed it to 756!! Oh and to let you know I recently applied for a car loan at the Bank and I was approved!!! I got a good rate and the vehicle I wanted. I could never even think that this could happen as soon as it did. Thanks a MILLION. I have been telling all my friends and clients about you. You deserve a ton of recognition for what you do. Hopefully this letter will assure others to trust your service and let a miracle come to pass!!" contact creditspyexpert@hotmail.com Or Text (+1{985} 441-1527

Thu, 08/29/2019 - 11:41 Permalink
Tom Gibson (not verified)

I just wanted to write you a letter to express my gratitude for all the work you and your staff has done for me in correcting my credit issues. I was not sure what I was getting myself into when I spoke with you few days ago...I did not think you could get my credit re-established as soon as you did. By using your service and by being patient, you have cleaned up my credit to the point where I can now be qualified to purchase a home as an "A" paper borrower!! Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and pushed it to 756!! Oh and to let you know I recently applied for a car loan at the Bank and I was approved!!! I got a good rate and the vehicle I wanted. I could never even think that this could happen as soon as it did. Thanks a MILLION. I have been telling all my friends and clients about you. You deserve a ton of recognition for what you do. Hopefully this letter will assure others to trust your service and let a miracle come to pass!!" contact creditspyexpert@hotmail.com Or Text (+1{985} 441-1527

Thu, 08/29/2019 - 12:20 Permalink
mich12 (not verified)

I never knew hackers could improve a low credit score until I met one on a discussion forum when i googled how to improve my credit score, I read a lady's comment on how trustworthy and capable the hacker is in solving issues that has to do with credit reports. I emailed him and asked if he can raise my credit score and also delete evictions. He replied yes and asked for some personal info to enable him navigate through my profile remotely. I gave him everything he needed to get started with the job, he eventually made some pretty amazing changes in my credit profile and I was really happy I contacted him because he really saved me. My family and I show appreciation and we are forever indebted to him. You can reach the programmer via his email; KEVINMITNICkCYBERCONSULTING@GMAIL.COM or mobile number; +1 (518) 223-9883. Tell him Rebecca referred you.

Thu, 08/29/2019 - 13:10 Permalink
Christie Basilio (not verified)

Hello people, on reading comments in here I thought to share my experience, might help someone who knows? I had credit scores of 451(transunion) 468(Equifax) sometimes early last year. I applied for loan in May I needed to buy a house and sort my wife's medical bill because of my low FICO scores. Out of desperation I started looking for help and I came across a post about a professional hacking firm HACKWEST Credit Repair. I was so nervous at first thinking what if situations get worse with them, but screw it I was desperate. This man magically boosted my FICO score to 750+ within 8 days across all 3 credit bureaus and I was approved after 7 days. I started noticing some of my old negative remarks went off, I still have my scores at 758 despite applying for the loan, though it’s a permanent repair. I am so happy I found HACK WEST and I will recommend ONLY West to anyone in need of such services.
Contact Info:
Phone: +1 (424) 307 2638
Email: HACKWEST@WRITEME.COM

Thu, 08/29/2019 - 18:08 Permalink