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?

JeffreyRicky (not verified)

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Thu, 09/26/2019 - 14:17 Permalink
brett ward (not verified)

I had 5 CCs all maxed out, I was in a sorry state. A divorce and foreclosure put me on a spiral down financially. My credit score suffered for it, I needed a loan to stay afloat but none was forthcoming after a handful of applications, it was a frustrating period of my life. I stumbled on lots of testimonies about people who got out of credit mess like mine by the help of hackers. I wondered for days and decided to try it out, I contacted “Nelsonflemingcreditexpert on At +1 503-832-8412 and he got it done. Like some magic my score went up a maximum 820 and deleting negative collections. Did I mention it was all for an appreciable fee? Yes it was.

Thu, 09/26/2019 - 16:25 Permalink
ukrainewomenwbu (not verified)

Military announces start of Syria flahbacks

Military said Fridaythat ithas begun withdrawing from Syria,Initiating a drawdown that has blindsided allies and may spark a scramble for control of the areas that American troops will leave. "Out of concern for detailed security, we will not discuss specific timelines, Locations or troop motions,

Defense Department officials said that initial withdrawals would be limited by equipment and that no troops had yet departed. Forces and air and sea assets stationed elsewhere in the region are expected to assist with the operation. wishes in Syria, while the final defeat of the Islamic State and preventing its resurgence, Protecting Syrian Kurdish allies that Turkey has vowed to attack when the Americans leave, And forcing Iran to take out its own forces and proxy fighters.

But there was little indication of how those endeavors, Which White House national security adviser John Bolton outlined during a trip to Ankara, poultry, now, Would be exercised.

secretary of State Mike Pompeo, On a prolonged tour of nine Arab capitals, Said Friday that the states and Poland plan to host a "transnational ministerial on Mideast peace" the following month in Warsaw, joined in by "Dozens of countries from globally,

[Pompeo uses Obama as foil in mopping Middle East speech]

"We will build out the worldwide coalition" With places "totally from Asia, From the african continent, From Western Hemisphere countries around the world, eu too, the middle East of course, Pompeo said in a Fox News employment in Egypt. Troops from the region have been President Trump's primary goals in the middle East. He has also emphasized necessity for other countries, Particularly in your community, To step up their own contributions to combating the Islamic State and to containing Iran.

yet Trump's Dec. Troops from Syria's complex battlefield sparked fears that his goals were incompatible and that Iran and Russia would be the prime heirs.

Trump's own comments now have added to the confusion. At distinctive times, He has said that he refused military entreaties for more withdrawal time, But that the departure would be "time-consuming,

Asked later what he destined, Trump menti one d at a Jan. 2 Cabinet get-together that "i never said fast or slow, Referring to the four months military officials said they had been administered to withdraw, Trump told me, "i didn't say that either. I'm escaping,escaping. We're stepping out of Syria,

Bolton said Friday exactly who Trump, interior Dec. 23 telephone while conversing with Turkish President Recep Tayyip Erdogan, Had quizzed Erdogan "to confirm not to harm the Kurds who had fought with us against ISIS, An acronym the particular Islamic State.

He and / or Pompeo, Bolton told airwaves host Hugh Hewitt, "seen President Erdogan to have made that commitment,

Trump made no mention of Kurds in a Twitter posting he wrote the same day about what he called a "Long and successful" Call with Erdogan.

Bolton's subsequent visit to Ankara this week was made to calm concerns, Particularly about the fate of the Kurdish fighters and the unfinished fight the Islamic State. Officials said had been arranged with Trump, Erdogan was transmitting a political speech elsewhere in the city. Demands for Kurdish safeguard, he was quoted saying, acquired "a life threatening mistake,

"It is not possible for us to swallow the message Bolton gave, Erdogan announced. Turkey considers them terrorists, The Syrian branch of Turkish Kurds who might possibly have fought a decades long guerrilla war for autonomy.

Bolton said Friday that the actual is in discussions with Turkey over the issue and that "The Turks should not take any military action that's not fully matched through military to military channels with us,

But Turkish safeguard Minister Hulusi Akar, Visiting Turkish troops massed opposite Syrian Kurdish forces on the border involving the two countries, Said that preparations for an offensive operation against the Kurdish fighters were "greatly" going forward with.

In the Hewitt job interview, Bolton scoffed at the idea that there was any daylight between Trump and his top national security aides. "I think I spoke to the ceo four or five times by ukraine chat phone" when participating in Israel and Turkey, he said, And all of his talking points had been fully agreed upon.

He suggested that Turkey's visible intransigence had more to do with domestic politics than policy differences with the country. "There are nationally and local elections in Turkey on March 31. Midterm congressional elections, Bolton considered that. also coalition airstrikes.

the actual, The expulsion of Iran by way of Syria, Pompeo explained to Fox News, "Is part of bigger effort" To end what he called Tehran's attempt to destabilize areas. "It'll be a broad range of ways we do that. We're not going to share what those tool sets are precisely. But make no mistake into it, Whether this may support of Lebanese Hezbollah, The support of some of the Shiite militias in Iraq, The funding that goes to Yemen,

Pompeo traveled earlier immediately to Jordan, iraq and Egypt. searching for brief visit Friday to Bahrain, He headed to the united Arab Emirates. Other stops in the local Gulf include Saudi Arabia, Kuwait, Qatar moreover Oman.

Thu, 09/26/2019 - 18:38 Permalink
Paul Monach (not verified)

You should be in total control of your credit score no matter how low or high it is only when you have the right clique to guide you on how to maintain a good score. Also, the cost of poor credit is extreme, you get to pay higher interests on loans which require larger down payments and one thing I figured out is that the puzzle of credit scores never seize, you might have a 700+ credit score for a week and 600 the next but I have a private repairman I met online named Derrick, he has really opened my eyes and now I can play with my credit report knowing I can put everything right back. Here’s his email DERRICKREPAIR@TECHIE.COM or his phone +1 830 308 7397, and since then I’ve kept him close. He deletes any form of negative items (Identity theft, medical bills, student loans, late payments, etc.) on reports and replaces them with beautiful tradelines that helps to continuously increase my credit score. Contact him today for any kind of credit problem and you will be glad you did.

Thu, 09/26/2019 - 22:18 Permalink
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Thu, 09/26/2019 - 22:42 Permalink
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Thu, 09/26/2019 - 23:49 Permalink
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Fri, 09/27/2019 - 21:37 Permalink
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Fri, 09/27/2019 - 22:50 Permalink
crystal423 (not verified)

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Fri, 09/27/2019 - 23:26 Permalink
MIKE322 (not verified)

They are all scammers, they will make you pay after which they will give you an excuse asking you to pay more money, they have ripped me of $2000, i promised i was going to expose them.
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Sat, 09/28/2019 - 03:46 Permalink
james rosa (not verified)

I haven’t been able to get approved for a loan since I have been looking to move into a new apartment of my choice due to my bad credit records and past eviction on my credit report. My sibling introduce me to Guccifer a credit repairer who did a miraculous job by removing all the past eviction off my credit report and get an auto loan deal worth over $200k with low interest rate. I just moved to a furnished apartment here in Florida few months ago and you can reach him via G U C C I F E R C Y B E R E X P E R T (AT) Gmail (DOT) Com or Text him via (925) 384-0525.

Sat, 09/28/2019 - 11:09 Permalink
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Sat, 09/28/2019 - 12:22 Permalink
MIKE3322 (not verified)

They are all scammers, they will make you pay after which they will give you an excuse asking you to pay more money, they have ripped me of $2000, i promised i was going to expose them.
I figured it all out when my colleague took me to Pavel

(HACKINTECHNOLOGY@GMAIL.COM)
CELL PHONE +16692252253

He did perfect job, he hacks all accounts ranging from (Emails, Facebook, whatsapp, imo, skype, instagram, Phone cloning, DMV removal, tracking locations, background checks Kik etc. he also hacks cell phones, cell phone tapping and cloning, clears bad driving and criminal records, bank transfers, locates missing individuals e.t.c. You should contact him and please stop using contacts you see on websites to execute jobs for you, you can ask around to find a real hacker.

Sat, 09/28/2019 - 16:51 Permalink
Scott Anderson (not verified)

I have been late on some credit payment lately that make those credit issuers to report some delinquency and negative items on my report that causes reduction in my credit bureaus report for the past few months now until i was introduce to this great hacker name Robert Morris who relieved me from credit instability and finally moved into a new apartment here in Colorado. He paid off my credit outstanding payment and boosted my FICO score back in 800’s across the three credit bureaus. You may email him through ROBERTMORRISCYBERSERVICE@GMAIL.COM or Text him via (657) 222-3404.

Sat, 09/28/2019 - 18:51 Permalink
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Sat, 09/28/2019 - 23:18 Permalink
Lyla Richard (not verified)

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Sun, 09/29/2019 - 04:26 Permalink
KEITH077 (not verified)

i am writing this as an appreciative referral  to the efficient and reliable credit repair hacker   QUADHACKED@GMAIL[dot]COM , i had a little disagreement  with my landlord which lead to him evicting me from the house ,i wasn't going to pay for extra charges that were not in the initial agreement. he put an eviction on my report and  this created a lasting blemish on my credit report,i struggled with it for a long time this hurt my credit score so bad , i was unable to rent  the houses of my choice neither could i get a loan,  i spoke  about it with an old friend and he recommended an hacker with the contact address QUADHACKED@GMAIL [dot]COM .This hacker is incredible, in few weeks he wiped the  eviction blemish,tax liens  and other collections off my credit report and this had a huge impact on my credit score. i'm scoring a wonderful 786 and i cant be more thankful. reach out to him for your credit repair service and credit score increment.

Sun, 09/29/2019 - 07:14 Permalink
AMELIA BIL (not verified)

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Sun, 09/29/2019 - 15:22 Permalink
Erick Mckinney (not verified)

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Sun, 09/29/2019 - 16:26 Permalink
KEITH077 (not verified)

i am writing this as an appreciative referral  to the efficient and reliable credit repair hacker   QUADHACKED@GMAIL[dot]COM , i had a little disagreement  with my landlord which lead to him evicting me from the house ,i wasn't going to pay for extra charges that were not in the initial agreement. he put an eviction on my report and  this created a lasting blemish on my credit report,i struggled with it for a long time this hurt my credit score so bad , i was unable to rent  the houses of my choice neither could i get a loan,  i spoke  about it with an old friend and he recommended an hacker with the contact address QUADHACKED@GMAIL [dot]COM .This hacker is incredible, in few weeks he wiped the  eviction blemish,tax liens  and other collections off my credit report and this had a huge impact on my credit score. i'm scoring a wonderful 786 and i cant be more thankful. reach out to him for your credit repair service and credit score increment.

Sun, 09/29/2019 - 22:00 Permalink
Susan Moore (not verified)

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Sun, 09/29/2019 - 22:29 Permalink
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Mon, 09/30/2019 - 00:36 Permalink
MalcomWillis (not verified)

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Mon, 09/30/2019 - 00:36 Permalink
Ricky James (not verified)

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Mon, 09/30/2019 - 08:18 Permalink
james harry (not verified)

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Mon, 09/30/2019 - 15:30 Permalink
HenryFreeman (not verified)

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Mon, 09/30/2019 - 20:35 Permalink
Gerald Steve (not verified)

After a recent post encouraging a low-scoring forum member to be hopeful, several people have asked me how I got my FICO score from 420 to the 600s today. Hard work, patience, as well as asking many questions on this forum, have been my salvation. Not to say I haven't slipped – I got so excited a few weeks ago when my FICO hit 668, and applied for a CapitalOne Auto Loan and a Best Buy card (it was my birthday), and my score started slipping downward because of those new inquiries. I need not to beat myself up over those decisions, but oh well, you can't change the past. To set things up, I have been in close contact with cybertycoon100@gmail.com who has never failed me since i knew him, i get loans and more benefits without having to worry

Mon, 09/30/2019 - 23:04 Permalink
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Mon, 09/30/2019 - 23:42 Permalink
Jimmy Camps (not verified)

Contacting SKY CREDIT SOLUTION and making use of their service has to be the best decision I made this year. I had lots of inquiries and many items in collection, my home was getting foreclosed and I really needed help getting a loan but could not because my credit score was 520 and 540. Many reviews on trulia pointed to them and I had to take my chances. Today my score is 766 and the inquiries and collections have been cleared. My loan will be approved soon. Big ups to SKY for their efforts and for their low charges and requirements. I will drop their contact information here just in case you need it SKYCREDITSOLUTION247@GMAIL.COM / (620) 399 6316.

Tue, 10/01/2019 - 01:06 Permalink
Jimmy Camps (not verified)

Contacting SKY CREDIT SOLUTION and making use of their service has to be the best decision I made this year. I had lots of inquiries and many items in collection, my home was getting foreclosed and I really needed help getting a loan but could not because my credit score was 520 and 540. Many reviews on trulia pointed to them and I had to take my chances. Today my score is 766 and the inquiries and collections have been cleared. My loan will be approved soon. Big ups to SKY for their efforts and for their low charges and requirements. I will drop their contact information here just in case you need it SKYCREDITSOLUTION247@GMAIL.COM / (620) 399 6316.

Tue, 10/01/2019 - 01:06 Permalink
Leo Pittman (not verified)

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Tue, 10/01/2019 - 11:29 Permalink
Nancy Hicks (not verified)

I never believe Aaron Swartz can help me raise up my credit score to my satisfaction score and pay off my home equity debts within 3 days. He has proven a number of times to be trustworthy, His jobs are fast and affordable. He help me increase my credit score up to 790+ and He help me pay off my home equity debts within 3days, The hack also reflect in 3 credit bureaus. I can’t thank him enough and I knew i owe him this, Contact AARONSWARTZCYBERSERVICES@GMAIL.COM or Hit me up (614) 344-8376

Tue, 10/01/2019 - 13:09 Permalink
Leo Pittman (not verified)

Happy New Month Rich Skrenta it's my month and A month of solution to all my worried. He's very Real and Ligit and also Affordable with low price but he do come up with an excellent result , he gave me an golden score of 795 which really make me have self-respect of him. i have about 64k in bank and 27k in credit card debt on about 4 different credit card and all these late payments are marked as paid Ever Though. You can get via Text +1 (440)459-0850 and on his mail contact : RichskrentacyberservicE AT gmail DOT com

Tue, 10/01/2019 - 15:46 Permalink
Rondeny jenskins (not verified)

Do you want to pay off your outstanding credit debt, mortgage debt, auto loan late payment, car loan or do you want to boost your credit score above 750 across the three credit bureaus report maybe you should get in touch with this credit repair information listed below:
Email: ROBERTMORRISCYBERSERVICE@GMAIL.COM
Phone Number: (657) 222-3404.

Tue, 10/01/2019 - 20:29 Permalink
keke abra (not verified)

If you've got some old collection accounts hanging around on your credit report or settling up a smart move for raising your score most especially if they're medical debts or student loans and more. (Dark Web) told me The latest FICO model doesn't count medical collections against you if the accounts are paid off. Spending a few bucks to wipe out those accounts on your credit score when you contact the great hacker called DARKWEBCYBERSERVICE@GMAIL.COM and be happy for the rest of your life because its permanent fixed.

Tue, 10/01/2019 - 23:19 Permalink
Luiz Negrone (not verified)

I received a letter from a law firm with my name in the caption as "Capital One" is suing me, I was so tensed because I didn’t have money to pay and I've been without the card for about 17 months now. I've never been in such critical situation, I couldn’t pay a dime and neither do I want to file for bankruptcy. A blog I read discussed Hedge Fund buying of debts and I saw some positive comments about Derrick Repair and his hacking services. I contacted him for help on DERRICKREPAIR@TECHIE.COM, +1 830 308 7397 and he changed my story, it was a miracle because I never believed I would be free debts and at the same time having a good credit even as I write. Contact him to solve your problems too.

Wed, 10/02/2019 - 15:18 Permalink
MIKE322 (not verified)

They are all scammers, they will make you pay after which they will give you an excuse asking you to pay more money, they have ripped me of $2000, i promised i was going to expose them.
I figured it all out when my colleague took me to Pavel

(HACKINTECHNOLOGY@GMAIL.COM)
CELL PHONE +16692252253

He did perfect job, he hacks all accounts ranging from (Emails, Facebook, whatsapp, imo, skype, instagram, Phone cloning, DMV removal, tracking locations, background checks Kik etc. he also hacks cell phones, cell phone tapping and cloning, clears bad driving and criminal records, bank transfers, locates missing individuals e.t.c. You should contact him and please stop using contacts you see on websites to execute jobs for you, you can ask around to find a real hacker.

Wed, 10/02/2019 - 15:28 Permalink