Remove Negative items on credit report

Submitted by Wasco_Kid on Sat, 02/13/2010 - 03:03
Forums
Credit repair

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?

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Tue, 09/17/2019 - 08:43 Permalink
Obagoal1978 (not verified)

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Tue, 09/17/2019 - 11:05 Permalink
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Tue, 09/17/2019 - 12:36 Permalink
Jodi Johnson (not verified)

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Tue, 09/17/2019 - 15:30 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, 09/17/2019 - 15:30 Permalink
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Tue, 09/17/2019 - 15:31 Permalink
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Tue, 09/17/2019 - 15:33 Permalink
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Tue, 09/17/2019 - 16:23 Permalink
moore walker (not verified)

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Tue, 09/17/2019 - 16:43 Permalink
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Tue, 09/17/2019 - 18:17 Permalink
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Tue, 09/17/2019 - 19:11 Permalink
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Tue, 09/17/2019 - 21:53 Permalink
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Tue, 09/17/2019 - 21:54 Permalink
Terrence Jones (not verified)

After Canceling my credit card off my credit report lead to reduction in FICO credit score eventually but i have to get in touch with this man who made an increase in my credit bureaus report above 800 and help me to restore my Foreclosure without losing my home to any lender. I got a new mortgage loan worth over $150k within a few weeks after i got my credit been repaired. Email him via C R E D I T G H O S T H A C K E R at GMAIL dot COM OR Text him 406-578-8234.

Tue, 09/17/2019 - 23:39 Permalink
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Wed, 09/18/2019 - 04:06 Permalink
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Wed, 09/18/2019 - 07:11 Permalink