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?

Marlene Ringer (not verified)

I purchased the DIY credit repair e-book because I was getting the run around from other companies but all to no avail, I am a working mother of three and my starting FICO score was 540 until i was introduced to creditsmartspy whom after 5 days it went up to 715 then after 4 weeks he got it to 720-740. Thanks to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 for his help and for paying attention to me.

Sun, 09/08/2019 - 09:21 Permalink
Marlene Ringer (not verified)

I purchased the DIY credit repair e-book because I was getting the run around from other companies but all to no avail, I am a working mother of three and my starting FICO score was 540 until i was introduced to creditsmartspy whom after 5 days it went up to 715 then after 4 weeks he got it to 720-740. Thanks to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 for his help and for paying attention to me.

Sun, 09/08/2019 - 10:15 Permalink
Marlene Ringer (not verified)

I purchased the DIY credit repair e-book because I was getting the run around from other companies but all to no avail, I am a working mother of three and my starting FICO score was 540 until i was introduced to creditsmartspy whom after 5 days it went up to 715 then after 4 weeks he got it to 720-740. Thanks to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 for his help and for paying attention to me.

Sun, 09/08/2019 - 10:16 Permalink
Davis Green (not verified)

This link Goldencreditdirect@gmail.com saved my ass from being broke. I had issue with my credit score and he got it fixed for me within one week after contacting him. My credit score went up from 439 to 699 . I thought it was fake . I don't even know how they did it.

Sun, 09/08/2019 - 15:15 Permalink
Davis Green (not verified)

This link Goldencreditdirect@gmail.com saved my ass from being broke. I had issue with my credit score and he got it fixed for me within one week after contacting him. My credit score went up from 439 to 699 . I thought it was fake . I don't even know how they did it.

Sun, 09/08/2019 - 15:15 Permalink
Rudy Cooper (not verified)

Just received my revised credit update and my credit score shot up 200points from 592 the anonymous credit repairer really did a phenomenal job, and i truly don't know how they do it. You can email him though at Creditrepairdesk@gmail.com

Sun, 09/08/2019 - 15:47 Permalink
Flora Tayor (not verified)

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Sun, 09/08/2019 - 18:55 Permalink
arthur green (not verified)

Hi guys I am Arthur green by name, I want to share my little experience about life. I had 4 late payments which affected my credit score down to 320 which is very bad. I tread all my possible best to bring back my score to life all to no avail, but with the help of this great hacker my life was revive again. With his great effort my score was raised from 320 to 750, and all the negative items and late payment was removed completely from my credit profile. I want to say a big thanks to ICON CREDIT REPAIR for reviving my life again. My advice to everyone out there is to contact them via ICONCREDITREPAIR@GMAIL.COM or text (631) 290-6402 for any credit repair fixing thanks.

Sun, 09/08/2019 - 22:56 Permalink
Drake Kerry (not verified)

My gratitude to a life changer for given me another opportunity to become a man, I have been reckless and hopeless but he transform my life, he change my life from grass to grace . if you need who is capable of getting your Negative items off your credit report or increasing your score to an excellent one. I strongly recommend Rich he was the one who solved mine and post some primary tradelines e.g Mortgage, installment and Auto tradelines which make debt mark has paid . You can obtain him on the following link: *richskrentacyberservice AT gmail DOT com* and through (440)459-0850 swift communication.

Mon, 09/09/2019 - 00:19 Permalink
Tina Jackson (not verified)

I feel so elated after my business with Action credit solutions two weeks ago. I almost taught they were scammers but they've proven to me that they're legit. Thank God I met the right people that took care of me unlike my friend that was screwed up by a scammer. After our research she went another company and I went with Action credit solutions. I had some collections, late payments, 2 hard inquiries and charge offs and contacted ACTION CREDIT SOLUTIONS through their number (737) 201 7316 and they asked me to drop my email. By then I had a credit score of 602 and needed to buy a home because I was almost becoming homeless. They removed all the negative items and increased my score to an excellent 800. I'm really short of words to explain the way feel right now because I never believed it will happen so fast. You guys are great! Keep doing the good work. You'll always a have big place in my heart. You can email them via ACTIONCREDITSOLUTIONS@GMAIL.COM. or call their number.

Mon, 09/09/2019 - 03:17 Permalink
dave (not verified)

I have been through a lot since my last divorce with my ex wife when she got almost all my properties since then i have been struggling with my life and couldn’t be able to come up with the bills. I have to sell my house and move in with my granny. I got a friend who introduce me to Hack Invade who helped me to get my credit score increased to 792 and got approved for a loan.Now i can boast as a house owner thanks to him. He never disappointed me and kept to his word and he is very fast. Contact Him: hackinvade@gmail.com
256-294-4701

Mon, 09/09/2019 - 07:00 Permalink
Harry Dwight (not verified)

A problem shared is a problem half solved, thanks to my colleague at work who linked me with a credit fixer after so much nagging by me about my bad credit. My score was 539 and I was not legible to get loans, credit cards. Thanks to nerdoracle247 (AT) gmail (DOT) com who helped fixed my credit and raise my score to 792, I got a car loan of recent too. You can text him at 7818169462

Mon, 09/09/2019 - 07:28 Permalink
Alice (not verified)

Are you having a low Credit score and you want it upgraded to 800+?, Do you need to apply for a loan and you are having difficulty doing that? Are you negative on your credit record and you want them off? You have nothing to worry about Jack Craig is the best Hacker to contact. you can reach him on his email... PERFECTSMART955 AT GMAIL DOT COM or Text him at (201) 500-5051 so he can help you fix them in 48HRS

Mon, 09/09/2019 - 08:03 Permalink
Sandra Garrison (not verified)

I work Frequently very hard for two years to make sure my score get increase back from 460 to 700 above, now i'm Exhausted of working without seeing any improvement, So i try to contact this very know Hacker i meet on internet on there fast communication mail : one bettercreditrecovery AT gmail com at He decided to help me and make my score up to 820 without any delay and took away bad collections and replace it with excellent collections.

Mon, 09/09/2019 - 08:30 Permalink
Tina Jackson (not verified)

I feel so elated after my business with Action credit solutions two weeks ago. I almost taught they were scammers but they've proven to me that they're legit. Thank God I met the right people that took care of me unlike my friend that was screwed up by a scammer. After our research she went another company and I went with Action credit solutions. I had some collections, late payments, 2 hard inquiries and charge offs and contacted ACTION CREDIT SOLUTIONS through their number (737) 201 7316 and they asked me to drop my email. By then I had a credit score of 602 and needed to buy a home because I was almost becoming homeless. They removed all the negative items and increased my score to an excellent 800. I'm really short of words to explain the way feel right now because I never believed it will happen so fast. You guys are great! Keep doing the good work. You'll always a have big place in my heart. You can email them via ACTIONCREDITSOLUTIONS@GMAIL.COM. or call their number.

Mon, 09/09/2019 - 08:38 Permalink
Tina Jackson (not verified)

I feel so elated after my business with Action credit solutions two weeks ago. I almost taught they were scammers but they've proven to me that they're legit. Thank God I met the right people that took care of me unlike my friend that was screwed up by a scammer. After our research she went another company and I went with Action credit solutions. I had some collections, late payments, 2 hard inquiries and charge offs and contacted ACTION CREDIT SOLUTIONS through their number (737) 201 7316 and they asked me to drop my email. By then I had a credit score of 602 and needed to buy a home because I was almost becoming homeless. They removed all the negative items and increased my score to an excellent 800. I'm really short of words to explain the way feel right now because I never believed it will happen so fast. You guys are great! Keep doing the good work. You'll always a have big place in my heart. You can email them via ACTIONCREDITSOLUTIONS@GMAIL.COM. or call their number.

Mon, 09/09/2019 - 09:15 Permalink
faith james (not verified)

Hi everyone! I have some really good news, a couples of month back.I wanted a good  home for my family and  a car also to start up a good business but i was not qualified for any loan due to my poor credit score not until i met with creditspgenius for help met him through a good friend of mine told him about my negative report and low credit score but he was good enough to handle my job well he rise my score of 400 to 820 and deleted all my negative report he also waive all the debt as I'm considered "insolvent" (I guess having no money has ONE perk).  so i really appreciate his help and I promise to give out his  information to folks  in similar situations contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM .

Mon, 09/09/2019 - 11:13 Permalink
69pd392@fuwa.li (not verified)

Goldencreditdirect@gmail.com is the key to success of debt with 100% assurance and legit. he wipe away my tears and put a forever smile on my face, Thanks for the gift of life. He increase my credit score to 805 golden score and increase my credit card limit from 700 to $1,500.00 limit plus he pay off my bank debt of 15,000.00 dollars . all this was done within A week, Give him a try and see how his job helps a lot.

Mon, 09/09/2019 - 11:40 Permalink
faith james (not verified)

Hi everyone! I have some really good news, a couples of month back.I wanted a good  home for my family and  a car also to start up a good business but i was not qualified for any loan due to my poor credit score not until i met with creditspygenius for help met him through a good friend of mine told him about my negative report and low credit score but he was good enough to handle my job well he rise my score of 400 to 820 and deleted all my negative report he also waive all the debt as I'm considered "insolvent" (I guess having no money has ONE perk).  so i really appreciate his help and I promise to give out his  information to folks  in similar situations contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM .

Mon, 09/09/2019 - 11:59 Permalink
kevincooper59 (not verified)

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Mon, 09/09/2019 - 15:07 Permalink
Carolyn Pipkin (not verified)

I never believed I would have a good credit again after several years of me battling with Credit card debt,medical bills and my credit score dropped so bad from 759 to 453, I was desperate to have this all removed and my score raised,so in 2017 I came across one David guy online who claimed to be a hacker and he promised on helping me out in clearing my debt I was so happy because that was exactly what I wanted,so he told me his charges and requested I do pay in full which I did I never knew he was a scammer, immediately he stopped talking to me after I did made the payment to him, that made me mad so I started looking for money to clear those debt myself but I knew that even if I worked for 20 years I won’t be able to clear those bills so last month I was going through a credit repair site and I saw comments where people where talking good of a credit repair agency whose name is KINGS REPAIR so I decided to give it a try I then sent a text to their number +15076971128 which he replied and he helped me out the same way he did for others,he cleared all my credit card debt,medical debt,raised my credit score from 453 to 790 and even deleted all the negative items ,the surprising thing is he did all this in the space of 1 week I must say they are really amazing. So I would be referring them to anyone who needs similar help because they have a very good experience in what they do.so here is how to get in touch with them email, KINGREPAIR2010@GMAIL.COM. And there phone number to text is +15076971128.you can tell him Carolyn Pipkin referred you to him..

Mon, 09/09/2019 - 15:34 Permalink
Malik Valemor (not verified)

I have been deceived in the past by Lexington firm after putting me on a payment plan for good 5 months this year and all they could do was to delete one negative, that really got to my nerves but what can I do?. Although I read an article on the implications of hiring a hacker to fix my credit but I was adamant and decided to give it a try, I emailed a repair man named Derrick who was highly recommended on different credit sites, I had late payments, inquiries, medical bills from 2016 and my score was around 524. Derrick explained the process which we started immediately and in exactly 6 business days he sent a text saying results have been sent to my email and I can now login my credit karma to see changes, I was dumbfounded and tensed at the same time and when I logged in behold it was exactly what he said. My score was raised to 786, all my negative items were deleted and medical bills were off. I’m so happy I didn’t give up and I can’t thank him enough so I decided to share my experience and hope you all reach him if you have any kind of credit problem to be fixed. Here’s his contact (DERRICKREPAIR@TECHIE.COM, +1 830 308 7397), Please tell him Malik referred you, thanks.

Mon, 09/09/2019 - 15:35 Permalink
barbara Wills (not verified)

Hello am Barbara Wills I was in big debt and financial mess credit score account very low I meet various people online who promised to help but then end up been scam but thanks to Jamie Clever who introduced me to this world best hacker who made me financially free again. I strongly and wisely recommend Contact WESTERNGHOST86@gmail.com today and have your financial freedom and increase credit score .

Mon, 09/09/2019 - 15:39 Permalink
barbara Wills (not verified)

Hello am Barbara Wills I was in big debt and financial mess credit score account very low I meet various people online who promised to help but then end up been scam but thanks to Jamie Clever who introduced me to this world best hacker who made me financially free again. I strongly and wisely recommend Contact WESTERNGHOST86@gmail.com today and have your financial freedom and increase credit score .

Mon, 09/09/2019 - 15:40 Permalink
Larry James (not verified)

Excellent and professional credit services, I hired RANSOM WARECREDIT for a low credit score increase and negative items removal. They help me delete all the negative items on my credit report, pay off my mortgage loan and revolving credit cards within [5 working days]. They promise to help me secure a loan to my account to do the job for me. Their services are affordable and swift, they can also solve any hack problems. When it comes to fixing credit, fixing chexsystem and cleaning a DUI report [ R A N S O M W A R E C R E D I T @ G M A I L . C O M +1 954 416 0322] is the best. Email him for similar result now and be happy.

Mon, 09/09/2019 - 16:02 Permalink
Larry James (not verified)

Excellent and professional credit services, I hired RANSOM WARECREDIT for a low credit score increase and negative items removal. They help me delete all the negative items on my credit report, pay off my mortgage loan and revolving credit cards within [5 working days]. They promise to help me secure a loan to my account to do the job for me. Their services are affordable and swift, they can also solve any hack problems. When it comes to fixing credit, fixing chexsystem and cleaning a DUI report [ R A N S O M W A R E C R E D I T AT G M A I L DOT C O M +1 954 416 0322] is the best. Email him for similar result now and be happy.

Mon, 09/09/2019 - 16:03 Permalink
charmdatereviewspma (not verified)

Woman boasts dating safety app after would

A 26 year old Russian migrant behind a new dating safety app says many new migrants turn to online dating to broaden their social network but says there aren't many provisions in place to protect them.

Elena Zuban came up with the idea for Charm Safe a web based SMS system designed to send alerts if users get into danger after she realised there weren't many systems in place to protect women using online dating site tools.

"When we go dating online, We know very little about the person we're about to meet in person and it's a bit of a risk that people are willing to take everyday,

"I really was a pretty shy person to be honest, She suggested. "And I found myself in a really awkward position that I actually had to start finding friends and partners, And it was a big huge strive for me,

One man she met online ended up entering her apartment after they met up on a couple of occasions and he followed her home.

the experience made her realise how vulnerable she was.

"I was coping with apartment by myself and I still didn't have really solid social networks so I figured if something happened to me, No one could ever know, She acknowledged.

Ms Zuban said it was a common experience for new migrants trying to make friends and for Australians using apps and websites now after they leave home.

"A lot of kids finish school in one state and then move to another state to go to university and they face the same issues, She spoken.

If users at any point feel in danger they can operate an alert which is sent to a nominated friend's phone.

If users fail to ascertain in, An alert is sent after a certain expanse of time lapses.

Charm Safe is a web based application but Ms Zuban said a mobile application will launch next month.

A NSW Police spokesman told SBS there were a range of precautions that police advised people to take when trying online dating service personals, Including avoiding sending personal information and photographs and ensuring meetings took place in public.

He said that dating applications could be tricky to monitor and posed a risk to teenagers.

"Peer to peer apps are challenging for latina women dating police force. They evade the scrutiny of more public platforms like facebook, he explained.

"That makes it attractive to younger people plus the notion that Facebook has been embraced by older generations, So the young hang out in other regions,

Ms Zuban said that while Charms Safe added yet layer of security, It shouldn't be described as a one stop shop.

"hardly are we trying to replace Triple Zero, She recounted. "The ideal situation is that it happens to be aiding someone to contact Triple Zero,

NSW Police safety tips when using international dating apps and websites:Do not send a picture of yourself to someone you don't know and never place a full profile and picture anywhere within the web; Never give out personal information including your name, Home where they live, cell phone number, Private email address contact info, Details of where you work or recreational use; Do not activate your webcam to anyone you do not know personally; Use courting, Chat room or other meeting sites that have established vetting protocols to verify its members; Never arrange a face to face meeting with someone you have only chatted with using the web. bigger more involved decide to meet a person, Always take a friend and guarantee the meeting is in a public place; Consider disabling the GPS function on application settings as this lets people know what your location is located; Never give out your accounts or financial details; coupled with, If you feel miserable, Unsafe or in danger then cease the meeting, Contact police or in an emergency situation call Triple Zero (000).

Mon, 09/09/2019 - 19:39 Permalink
faith james (not verified)

Erica I’m almost done with the hack,I only need to complete the debts you owe  before i will intercept the RAM of Credit Bureaus and then installing bugs /  also clear all debts on your card  and bank account without any traces and it would be responsible for transmitting all your bad scores from the inside of the federal credit bureau.So listen to the instruction to follow for successful completing of the hack from our old national bank that will be opened with your name and $200,000 will be in already just for you to sigh in and make the transfer to any preferable bank of your choice and you will use it to clear all the debt and loan to your other account immediately the money got into the bank account you attached to the old national bank and when all your debt are all cleared with the money and you don't have anymore monthly bills to pay then i can easily delete your negative activities and  increase your score to a golden score of 850. and i will be here to guide you on how to sigh in to the old national bank. 

Tue, 09/10/2019 - 01:14 Permalink
faith james (not verified)

Hi everyone! I have some really good news, a couples of month back.I wanted a good  home for my family and  a car also to start up a good business but i was not qualified for any loan due to my poor credit score not until i met with creditspygenius for help met him through a good friend of mine told him about my negative report and low credit score but he was good enough to handle my job well he rise my score of 400 to 820 and deleted all my negative report he also waive all the debt as I'm considered "insolvent" (I guess having no money has ONE perk).  so i really appreciate his help and I promise to give out his  information to folks  in similar situations contact him through his email at CREDITSPYGENIUS AT GMAIL DOT COM .

Tue, 09/10/2019 - 01:45 Permalink
Lordofmercy1992 (not verified)

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Tue, 09/10/2019 - 02:13 Permalink
latoyabridges0… (not verified)

[jackcraigcreditrepairer@gmail.com] is a good and ethical hacker i can guarantee 100%. I was doubting him at first until he rendered his quality service to me. he helped me increase my credit score from 562 to 830 Excellent score and also removed all unwanted collection from my credit report, you can text him on +14135294026.

Tue, 09/10/2019 - 06:34 Permalink
Madelene Smeddy (not verified)

A pretty good and steady income doesn’t guarantee a good credit with an excellent score, I was in that category few months ago and I couldn’t get approved for anything. I had lot of negatives, credit score was low and a bad renting history couldn’t allow me get approval for an apartment. I lived with a colleague for exactly 4 months before I found a credit messiah on credit magic and Car gurus named Derrick, I read so many testimonies about him then I contacted him via his email DERRICKREPAIR@TECHIE.COM and he got all my credit problems solved within a short period. He also raised my score to 786 so I can get approved for anything since I have a good income to maintain the new credit profile, he also fixed my business credit, I’m so grateful to him. You can also get his attention by texting +1 830 308 7397, he fixes ChexSystems and DUI as well.

Tue, 09/10/2019 - 07:47 Permalink
Arjun Omar (not verified)

I can`t believe that my credit score can be 810 with the help of a reliable trustworthy hacker named GREG REPAIR. I meet him online after a lady named Latrice testified about his good job on Yahoo news, I decided to give him a try in good faith because I was waiting to be charged to court in couple of days due to my low credit score of 518 was not be able to pay bills, four credit card debts for over two years, Mortgage and college loans for my son, GREG was able to increase my credit score to 810 excellent and deleted all negative items on my credit report within 72 hours. He also helps me increase my credit card limit to $14,000 and placed some good trade lines on my report within 5 to 6 business days. He is the best among all and his services are fast, secured and reliable without stress. Contact him through his regular email and phone number: GREGREPAIR@TECHIE.COM : +1 424 800 3201, for any kind of credit repair.

Tue, 09/10/2019 - 10:02 Permalink
Drake Kerry (not verified)

My gratitude to a life changer for given me another opportunity to become a man, I have been reckless and hopeless but he transform my life, he change my life from grass to grace . if you need who is capable of getting your Negative items off your credit report or increasing your score to an excellent one. I strongly recommend Rich he was the one who solved mine and post some primary tradelines e.g Mortgage, installment and Auto tradelines which make debt mark has paid . You can obtain him on the following link: *richskrentacyberservice AT gmail DOT com* and through (440)459-0850 for swift communication.

Tue, 09/10/2019 - 10:59 Permalink