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?

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Mon, 10/07/2019 - 22:58 Permalink
Mark1Letus (not verified)

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Tue, 10/08/2019 - 04:24 Permalink
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Tue, 10/08/2019 - 08:14 Permalink
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Tue, 10/08/2019 - 10:05 Permalink
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Tue, 10/08/2019 - 11:33 Permalink
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Tue, 10/08/2019 - 15:28 Permalink
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Tue, 10/08/2019 - 15:58 Permalink
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I wanted to buy a home but my Trans-union score was 510. I applied for an AMX card to increase my score but was rejected because my FICO score with Experian was only 569. I took out a high interest loan on a new car and made triple payments and paid it off in one year the same as I did on my last four cars over the last ten years. My Experian score dropped to 480. I was referred to cardizkus@Gmail.com and he increased my credit score to 790 and removed all the negative Items on my credit in 2 weeks

Tue, 10/08/2019 - 16:27 Permalink
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Tue, 10/08/2019 - 18:14 Permalink
LucasVaxcay (not verified)

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Tue, 10/08/2019 - 23:19 Permalink
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Wed, 10/09/2019 - 07:36 Permalink
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Wed, 10/09/2019 - 08:32 Permalink
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Wed, 10/09/2019 - 08:32 Permalink
Cheri Plasters (not verified)

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Wed, 10/09/2019 - 10:15 Permalink
Cheri Plasters (not verified)

I consulted with Hack West Credit Repair (HACKWEST@WRITEME.COM and +1 (424) 307 2638) early this year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to enough and I realized that it was time to do something about it. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit history. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering to fix credit. You won’t be disappointed and you’ll thank yourself later.

Wed, 10/09/2019 - 11:09 Permalink
Cheri Plasters (not verified)

I consulted with Hack West Credit Repair (HACKWEST@WRITEME.COM and +1 (424) 307 2638) early this year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to enough and I realized that it was time to do something about it. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit history. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering to fix credit. You won’t be disappointed and you’ll thank yourself later.

Wed, 10/09/2019 - 11:09 Permalink
Steve Tilemanns (not verified)

I have been deceived in the past by Lexington firm after putting me on a payment plan for good 4 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 Max. who was highly recommended on different credit sites, I had late payments, inquiries, medical bills from 2018 and my score was around 528. Max. 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 802, 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 (CREDITDEMON at TECHIE dot COM, +1 401 589 1902), Please tell him Steve referred you, thanks.

Wed, 10/09/2019 - 12:26 Permalink
Jamie Burnell (not verified)

I was devastated as I lost everything in 2009 to a crooked partner and a crooked lawyer between the two of them they stole 6 million from me and my clients 1 million that was with me that wiped me out completely and It was very hard for me to recover, this affected my score and I was been rejected by many creditors but thank goodness my credit score was increased and I could make my stand back with the help of $300,000 quick loan I was able to acquire through CYBERSPYGURU/@/GMAIL.COM , thanks a bunch Albert for saving my life, I am forever indebted to your trusted services

Wed, 10/09/2019 - 15:46 Permalink
Lisa Carpenter (not verified)

I thought my credit score would never get boost to 800 excellent plus. I initially had a low score of 514, with 5 negative items on my credit report. A friend of mine introduced to a ethical hacker named Albert Gonzalez, He help me increase my credit to 800 and delete all negative items of my credit report within 72hours. Contact him on his regular email CyberSpyGuruATGmailDotCom

Wed, 10/09/2019 - 15:48 Permalink
patricia willaim (not verified)

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Wed, 10/09/2019 - 16:52 Permalink
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Wed, 10/09/2019 - 19:36 Permalink
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Wed, 10/09/2019 - 22:23 Permalink
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Wed, 10/09/2019 - 23:52 Permalink
Cheri Plasters (not verified)

I consulted with Hack West Credit Repair (HACKWEST@WRITEME.COM and +1 (424) 307 2638) early this year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to enough and I realized that it was time to do something about it. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit history. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering to fix credit. You won’t be disappointed and you’ll thank yourself later.

Thu, 10/10/2019 - 09:56 Permalink
Phyllise Jeffrey (not verified)

Do you have problem with increasing your credit score and removing your poor credit reports, I've got a good news for you guys, my credit score was just increased from 470 to 820 and and all my awful credit reports has been cleared,he also hacked into my 3 credit bureaus, let me introduce you guys to George, you can contact him through Jonathanjamescyberservices@gmail.com
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Thu, 10/10/2019 - 10:59 Permalink
Ava addams (not verified)

If you need a professional and an expert in fixing of your bad credit score and removing of negative items on your credit report. I will advise you to get in touch with this wonderful and trusted man because he is very good, fast and affordable rates. I've used him and i can confirm to you that he's 100% guaranteed. He help me increase my credit score in the space of 72 hours and also helped me clear all my revolving credit problems as well i feel so blessed to have met this wonderful person and i think i need to share with you all . Email him kevinpoulsencyberservices@gmail.com

Thu, 10/10/2019 - 11:43 Permalink
Ava addams (not verified)

If you need a professional and an expert in fixing of your bad credit score and removing of negative items on your credit report. I will advise you to get in touch with this wonderful and trusted man because he is very good, fast and affordable rates. I've used him and i can confirm to you that he's 100% guaranteed. He help me increase my credit score in the space of 72 hours and also helped me clear all my revolving credit problems as well i feel so blessed to have met this wonderful person and i think i need to share with you all . Email him kevinpoulsencyberservices@gmail.com

Thu, 10/10/2019 - 11:52 Permalink
Donna Poncelli (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 Max, I read so many testimonies about him then I contacted him via his email CREDITDEMON@TECHIE.COM and he got all my credit problems solved within a short period. He also raised my score to 798 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 +1 401 589 1902, he fixes ChexSystems and DUI as well.

Thu, 10/10/2019 - 18:07 Permalink
Roy Mays (not verified)

I was jilted by my online lover, she robbed me of everything i had. By the time i realized i was being played, my credit score was already 458, i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. I got in touch with him ASAP and surprisingly, he fixed my credit, increased my credit score and cleared all negative listings on my credit in less than 3days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was. Feel free to contact him on his email address prohack.net@aol.com or cell +1 (252) 307-3167 and be expectant of a positive result.

Thu, 10/10/2019 - 18:42 Permalink
Henderson Moscow (not verified)

Nothing would have been worst in life with a bad credit score always feels like killing yourself if you’ve ever been in this dilemma before, Credit score of 498 and still yet I couldn’t get a loan to start up something. 4 Capital one credit debts , Criminal record of 7 years ago shown on Experian , Mortgage loan to clear before 5th of this month , Couldn’t have been this terrible can tell you know what it seems until a friend talked to me about GREGREPAIR someone she meet from online who cleared all her debit told me to contact him at GREGREPAIR @ techie dot com or +1 4248003201 He responded requested some details which I gave told me everything would be done in 4 days after I paid an affordable amount , Now here I’m happy with all debit cleared , got loan started business , Capital one credit card debit cleared that too GREG REPAIR you’re like an Angel in my LIFE . Thanks again tell him Henderson referred.

Thu, 10/10/2019 - 21:37 Permalink
Ava addams (not verified)

If you need a professional and an expert in fixing of your bad credit score and removing of negative items on your credit report. I will advise you to get in touch with this wonderful and trusted man because he is very good, fast and affordable rates. I've used him and i can confirm to you that he's 100% guaranteed. He help me increase my credit score in the space of 72 hours and also helped me clear all my revolving credit problems as well i feel so blessed to have met this wonderful person and i think i need to share with you all . Email him kevinpoulsencyberservices@gmail.com

Thu, 10/10/2019 - 23:58 Permalink
linda simon (not verified)

Hello, before working with PAUL MIKE, my FICO was at 542. I applied for a loan from Metro Credit Union and I was told to pay my debt to Bank of America first which was about $8,500. At the time my credit report wasn’t good with red marks all over it. The credit bureaus told me I had about 6 negative items and 10-11 hard inquiries from every bureau. I went searching for a solution, I found several good reviews abOUT HACKER PAUL MIKE on different blogs and sites. Initially, I was pessimistic but out of determination and curiosity, I emailed HACKERPAULMIKE@GMAIL.COM. They explained the process and everything needed to fix my credit. My FICO now is 835, they cleared all the negative items on my report and also added beautiful Tradelines. You can text (720) 663 0651 if you have any question or you need their services. I paid nothing to Bank of America and has been deleted from my report. It’s so Amazing!!!

Fri, 10/11/2019 - 12:15 Permalink
linda simon (not verified)

Hello, before working with PAUL MIKE, my FICO was at 542. I applied for a loan from Metro Credit Union and I was told to pay my debt to Bank of America first which was about $8,500. At the time my credit report wasn’t good with red marks all over it. The credit bureaus told me I had about 6 negative items and 10-11 hard inquiries from every bureau. I went searching for a solution, I found several good reviews abOUT HACKER PAUL MIKE on different blogs and sites. Initially, I was pessimistic but out of determination and curiosity, I emailed HACKERPAULMIKE@GMAIL.COM. They explained the process and everything needed to fix my credit. My FICO now is 835, they cleared all the negative items on my report and also added beautiful Tradelines. You can text (720) 663 0651 if you have any question or you need their services. I paid nothing to Bank of America and has been deleted from my report. It’s so Amazing!!!

Fri, 10/11/2019 - 12:18 Permalink
Timothy Brouq (not verified)

If you have never been a victim of poor scammers who claim to be credit hackers you won’t be able to appreciate a legit one when you meet him. I owe XAP Credit Solution everything because words alone can’t quantify what he did for me and my entire household. I’m a 61year old VA living with disability. Trust me when I say Xapcreditsolution@gmail.com is the best. Many we claim they can fix your credit but apparently do nothing. I had a score of about 431 with lots of inquiries and a very high debt profile, how XAP did it still marvels me but I got an excellent credit now with 807 FICO score. I have neither debt nor inquiries on my report anymore. They added 3 good tradelines to my credit history. You can also phone 972 597 9704 for any kind of repair.

Fri, 10/11/2019 - 12:38 Permalink
Timothy Brouq (not verified)

If you have never been a victim of poor scammers who claim to be credit hackers you won’t be able to appreciate a legit one when you meet him. I owe XAP Credit Solution everything because words alone can’t quantify what he did for me and my entire household. I’m a 61year old VA living with disability. Trust me when I say Xapcreditsolution@gmail.com is the best. Many we claim they can fix your credit but apparently do nothing. I had a score of about 431 with lots of inquiries and a very high debt profile, how XAP did it still marvels me but I got an excellent credit now with 807 FICO score. I have neither debt nor inquiries on my report anymore. They added 3 good tradelines to my credit history. You can also phone 972 597 9704 for any kind of repair.

Fri, 10/11/2019 - 12:59 Permalink
David Ann (not verified)

Need a hacker?Was in a bit of a distratrous situation as regards my credit score being low,As well as lost access to most of my social media acct,was really lost and didn't know what to do,Until i was referred to Amir Hagay at theblackhatcreator000@gmail.com or text him(8283677582) and this guy absolutely performed magic on my credit score,raising it up to as much as 810,He also has access to social media accts(Facebook,instagram,gmail,whatsapp,snapchat accts)As well as mobile devices,And text messages.Feel free to contact him at theblackhatcreator000@gmail.com or you could text him on 8283677582,He's kinda picky who he works with so make sure to tell him david referred you,You're welcome

Fri, 10/11/2019 - 13:10 Permalink
richard546 (not verified)

I always wondered how I could boost my credit score of (487) after constantly getting ripped off by lenders, banks and credit card companies due to my poor credit history. So I got referred to by a friend about this amazing hacker guy called Mania 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 on his email at MANIACYBEREXPERT@GMAIL. COM or txt via (224) 480-0565

Fri, 10/11/2019 - 13:55 Permalink
Susan Moore (not verified)

Get your credit cleaned with the help of a reliable hacker.Initially I thought it was not realistic but I got to realize that I had to follow some steps carefully and after that I had to give a full explanation of my problem. He told me not to panic because our conversation is encrypted and if anything goes wrong, I can take legal actions against them. I agreed and now I have come to share with you all, my testimony. All thanks to Mr. Collins Gregor. Just incase you have the same problem with your credit card as I had with mine, don’t hesitate to contact him through this email; hackersonline360@GMAIL.COM.

Fri, 10/11/2019 - 16:06 Permalink
Wiley Norbert (not verified)

Are you having accounts in collections, hard inquiries, student loans, apartment eviction and low credit score and needs FHA loan with 3.5% down? I strongly recommend you contact HERITAGE CREDIT SOLUTION. They’ve expertise in credit repair, just as they got my credit fixed a few weeks ago. Cleared the derogatory marks on my credit report that wouldn’t let me access FHA loan, also cleared my accounts in collections, hard inquiries, student loans and boost my FICO score to 783 to enable me access an FHA loan with 3.5% down. Sincerely, I’m so grateful to HCS for creating an amazing credit profile for me, stabilizing my score and adding positive trade lines to my credit report which they said would be necessary in case I needed loans and this really helped me immensely in securing an approval for an FHA loan. From experience, their services are reliable, exceptional and affordable. Email them on: Heritagecreditsolution@gmail.com or call/text: +16202630667 if you’re in need of a permanent and legit credit repair services.

Fri, 10/11/2019 - 19:59 Permalink
James Mcneil (not verified)

Hello everyone my name is Allison Naccarelli, I had a lot of negative items on my report and I recently into a car accident, in which my car was totaled. However I found myself needing a car ASAP, but my credit score was so low that everywhere I go, they ask for an outrageous amount of money down, and very high interest rate. I was skeptical to email or text GHOST, but after I read all the good reviews and recommendations about him, I became so desperate and I emailed him on GHOSTVIRUS7890@GMAIL.COM and texted him on his number +1 205 418 0498 as well asking for his help. He assured me of a 103% guarantee of a clean and safe job. Thereafter, he deleted all the negative items on my report, increased my score to 791 and I purchased the car I needed. Be free to contact him and get your credit fixed.

Fri, 10/11/2019 - 20:15 Permalink
James Mcneil (not verified)

Hello everyone my name is Allison Naccarelli, I had a lot of negative items on my report and I recently into a car accident, in which my car was totaled. However I found myself needing a car ASAP, but my credit score was so low that everywhere I go, they ask for an outrageous amount of money down, and very high interest rate. I was skeptical to email or text GHOST, but after I read all the good reviews and recommendations about him, I became so desperate and I emailed him on GHOSTVIRUS7890@GMAIL.COM and texted him on his number +1 205 418 0498 as well asking for his help. He assured me of a 103% guarantee of a clean and safe job. Thereafter, he deleted all the negative items on my report, increased my score to 791 and I purchased the car I needed. Be free to contact him and get your credit fixed.

Fri, 10/11/2019 - 20:27 Permalink
Lance Ramsey (not verified)

I was devastated as I lost everything in 2015 to a crooked wife and a crooked lawyer they stole 2 million dollas away from me and my business partner 200,000.00 dollars that was with me for our business purpose, they destroy me completely and It was very hard for me to recover back, this affected my score and I was been rejected by every creditors but thanks to Heavenly Father I could make my stand back with an excellence quality help of $700,000 quick loan I was able to obtain through RICHSKRENTACYBERSERVICE/@/GMAIL/./COM , An Expression Gratitude for saving my life, I am forever indebted to your trusted services.

Sat, 10/12/2019 - 02:44 Permalink
Lance Ramsey (not verified)

I was devastated as I lost everything in 2015 to a crooked wife and a crooked lawyer they stole 2 million dollas away from me and my business partner 200,000.00 dollars that was with me for our business purpose, they destroy me completely and It was very hard for me to recover back, this affected my score and I was been rejected by every creditors but thanks to Heavenly Father I could make my stand back with an excellence quality help of $700,000 quick loan I was able to obtain through RICHSKRENTACYBERSERVICE/@/GMAIL/./COM , An Expression Gratitude for saving my life, I am forever indebted to your trusted services

Sat, 10/12/2019 - 03:54 Permalink
James Mcneil (not verified)

Hello everyone, I had a lot of negative items on my report and I recently into a car accident, in which my car was totaled. However I found myself needing a car ASAP, but my credit score was so low that everywhere I go, they ask for an outrageous amount of money down, and very high interest rate. I was skeptical to email or text GHOST, but after I read all the good reviews and recommendations about him, I became so desperate and I emailed him on GHOSTVIRUS7890@GMAIL.COM and texted him on his number +1 205 418 0498 as well asking for his help. He assured me of a 103% guarantee of a clean and safe job. Thereafter, he deleted all the negative items on my report, increased my score to 791 and I purchased the car I needed. Be free to contact him and get your credit fixed.

Sat, 10/12/2019 - 05:05 Permalink
Jakeman tom (not verified)

Do you have problem with increasing your credit score and removing your poor credit reports, I've got a good news for you guys, my credit score was just increased from 470 to 820 and and all my awful credit reports has been cleared,he also hacked into my 3 credit bureaus, let me introduce you guys to Jakeman, you can contact him through.
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Sat, 10/12/2019 - 09:21 Permalink
Jakeman tom (not verified)

Do you have problem with increasing your credit score and removing your poor credit reports, I've got a good news for you guys, my credit score was just increased from 470 to 820 and and all my awful credit reports has been cleared,he also hacked into my 3 credit bureaus, let me introduce you guys to Jakeman, you can contact him through.
Cybersspaceservices@gmail.com

Sat, 10/12/2019 - 09:26 Permalink
Wiley Norbert (not verified)

Are you having accounts in collections, hard inquiries, student loans, apartment eviction and low credit score and needs FHA loan with 3.5% down? I strongly recommend you contact HERITAGE CREDIT SOLUTION. They’ve expertise in credit repair, just as they got my credit fixed a few weeks ago. Cleared the derogatory marks on my credit report that wouldn’t let me access FHA loan, also cleared my accounts in collections, hard inquiries, student loans and boost my FICO score to 783 to enable me access an FHA loan with 3.5% down. Sincerely, I’m so grateful to HCS for creating an amazing credit profile for me, stabilizing my score and adding positive trade lines to my credit report which they said would be necessary in case I needed loans and this really helped me immensely in securing an approval for an FHA loan. From experience, their services are reliable, exceptional and affordable. Email them on: Heritagecreditsolution@gmail.com or call/text: +16202630667 if you’re in need of a permanent and legit credit repair services.

Sat, 10/12/2019 - 10:22 Permalink
spanishwomenkiq (not verified)

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Sat, 10/12/2019 - 15:56 Permalink
Paul brown (not verified)

My credit score was really bar I can't get approve for any loan and I couldn't be able to be catch up with my bills. I have to consult, Jonathan james who help me to boost my credit score to 820 and wiped away all the negative items and credit collection on my credit report. He is very fast and reliable. You can email at Jonathanjamescyberservices@gmail.com
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Sat, 10/12/2019 - 18:04 Permalink
pythonsan1 (not verified)

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Sat, 10/12/2019 - 19:43 Permalink