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?

barbara Wills (not verified)

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Tue, 09/10/2019 - 12:40 Permalink
Stephanie Doyle (not verified)

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Tue, 09/10/2019 - 17:00 Permalink
Arjun Omar (not verified)

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Tue, 09/10/2019 - 19:54 Permalink
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Tue, 09/10/2019 - 20:08 Permalink
philemon Josh (not verified)

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Tue, 09/10/2019 - 20:45 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 at TECHIE dot COM : +1 424 800 3201, for any kind of credit repair.

Tue, 09/10/2019 - 21:47 Permalink
Helen Adams (not verified)

I lost my house about 2 years ago, my credit was so terrible, due to my unemployment. I can't afford to rent a comfortable home to live, because even land lords run credit checks it was the most horrible and hard time of my life . i knew i had to do something to get back on track. I read about cyber hack, I finally contact him via gmail (cybertycoon100@gmail.com). I wrote a letter for each thing on my credit report basically, and he gave me the assurance that he will fix It in 3 work days, I couldn't believe It because it sound crazy but after the 3 work days he promised my credit which was 375 increase to 735 which I also confirm on my Trans-union file

Tue, 09/10/2019 - 22:04 Permalink
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Wed, 09/11/2019 - 00:01 Permalink
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Wed, 09/11/2019 - 03:21 Permalink
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Wed, 09/11/2019 - 07:45 Permalink
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Wed, 09/11/2019 - 08:47 Permalink
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Wed, 09/11/2019 - 11:46 Permalink
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Wed, 09/11/2019 - 12:11 Permalink
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Wed, 09/11/2019 - 12:58 Permalink
Llyli Perez (not verified)

My credit history was nothing to write home about. Lots of hard inquiries, about 6 negatives items on Experian, collections, charge offs and 2 evictions all in my credit report. I wasn’t careless with my credit report until I lost my job and filed for divorced because of domestic violence. I am a mother of 3 kids (Jim, Joan and Meeky). Two months ago I came across Hack West here and quickly contacted (HACKWEST@WRITEME.COM). I was asked some few questions and West told me what to do which I did and about a week later my score boosted to 789 and I couldn’t find those bad items on my report rather saw some great tradelines. At first I didn’t believe until I got to the bank to request a loan and after my report was pulled, I was granted $50k mortgage loan, remember I was rejected severally by same bank. I promised to tell this testimony to the world. Feel free to contact Hack West via the email or phone: +1 (424) 307 2638. Don’t forget to mention my name when you do so. Goodluck!

Wed, 09/11/2019 - 13:09 Permalink
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Wed, 09/11/2019 - 13:17 Permalink
Lyli Perez (not verified)

My credit history was nothing to write home about. Lots of hard inquiries, about 6 negatives items on Experian, collections, charge offs and 2 evictions all in my credit report. I wasn’t careless with my credit report until I lost my job and filed for divorced because of domestic violence. I am a mother of 3 kids (Jim, Joan and Meeky). Two months ago I came across Hack West here and quickly contacted (HACKWEST@WRITEME.COM). I was asked some few questions and West told me what to do which I did and about a week later my score boosted to 789 and I couldn’t find those bad items on my report rather saw some great tradelines. At first I didn’t believe until I got to the bank to request a loan and after my report was pulled, I was granted $50k mortgage loan, remember I was rejected severally by same bank. I promised to tell this testimony to the world. Feel free to contact Hack West via the email or phone: +1 (424) 307 2638. Don’t forget to mention my name when you do so. Goodluck!

Wed, 09/11/2019 - 14:20 Permalink
Lyli Perez (not verified)

My credit history was nothing to write home about. Lots of hard inquiries, about 6 negatives items on Experian, collections, charge offs and 2 evictions all in my credit report. I wasn’t careless with my credit report until I lost my job and filed for divorced because of domestic violence. I am a mother of 3 kids (Jim, Joan and Meeky). Two months ago I came across Hack West here and quickly contacted (HACKWEST@WRITEME.COM). I was asked some few questions and West told me what to do which I did and about a week later my score boosted to 789 and I couldn’t find those bad items on my report rather saw some great tradelines. At first I didn’t believe until I got to the bank to request a loan and after my report was pulled, I was granted $50k mortgage loan, remember I was rejected severally by same bank. I promised to tell this testimony to the world. Feel free to contact Hack West via the email or phone: +1 (424) 307 2638. Don’t forget to mention my name when you do so. Goodluck!

Wed, 09/11/2019 - 14:23 Permalink
JEREMYGATES (not verified)

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Wed, 09/11/2019 - 17:37 Permalink
austin shane (not verified)

I always wondered how I could boost my credit score after constantly getting ripped off by fakes due to my poor credit history. So I got referred by a friend about this amazing hacker guy called Credit Wizard who helped remove the negatives on my report and increase my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. He changed my life and I can now boast of having a home and a new business all thanks to him. He can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you… Hit him up ASAP on THECREDITWIZARD at WRITEME dot COM +1(717)323-5314.

Wed, 09/11/2019 - 19:57 Permalink
austin shane (not verified)

I always wondered how I could boost my credit score after constantly getting ripped off by fakes due to my poor credit history. So I got referred by a friend about this amazing hacker guy called Credit Wizard who helped remove the negatives on my report and increase my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. He changed my life and I can now boast of having a home and a new business all thanks to him. He can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you… Hit him up ASAP on THECREDITWIZARD at WRITEME dot COM +1(717)323-5314.

Wed, 09/11/2019 - 19:59 Permalink
Lyli Perez (not verified)

My credit history was nothing to write home about. Lots of hard inquiries, about 6 negatives items on Experian, collections, charge offs and 2 evictions all in my credit report. I wasn’t careless with my credit report until I lost my job and filed for divorced because of domestic violence. I am a mother of 3 kids (Jim, Joan and Meeky). Two months ago I came across Hack West here and quickly contacted (HACKWEST@WRITEME.COM). I was asked some few questions and West told me what to do which I did and about a week later my score boosted to 789 and I couldn’t find those bad items on my report rather saw some great tradelines. At first I didn’t believe until I got to the bank to request a loan and after my report was pulled, I was granted $50k mortgage loan, remember I was rejected severally by same bank. I promised to tell this testimony to the world. Feel free to contact Hack West via the email or phone: +1 (424) 307 2638. Don’t forget to mention my name when you do so. Goodluck!

Wed, 09/11/2019 - 21:17 Permalink
Mane (not verified)

I have been through a lot for the past 6 months, i fell for a romance scam by cheating on my Husband which led me to giving out my Personal informations such as my home address, Bank information, Credit card information and also my Husband Credit card information to my (Man-Friend). Which i never regretted at first not until he got my Credit Card maxed out together with my Husband credit card, i was so down because i couldn't inform my Husband who the person really was(Man-friend) but my closest friend who introduced me to an Hacker named Perfect Smart. Perfect smart (Hacker) is the real deal that helped me pay off my credit card debt together with my Husband and this how i can appreciate his good work he did for me by publishing his good work contact him through his email at PERFECTSMART955 AT GMAIL DOT COM or Text him at (201) 500-5051 he is the best hacker I have ever met online thanks.

Thu, 09/12/2019 - 07:46 Permalink
alberto (not verified)

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Thu, 09/12/2019 - 16:56 Permalink
ccchackerrs (not verified)

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Thu, 09/12/2019 - 17:39 Permalink
kay barnett (not verified)

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Fri, 09/13/2019 - 00:58 Permalink
orlando perry (not verified)

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Fri, 09/13/2019 - 01:17 Permalink
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Fri, 09/13/2019 - 08:05 Permalink