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?

LorenaWalter (not verified)

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Mon, 10/28/2019 - 22:33 Permalink
Magret789 (not verified)

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Mon, 10/28/2019 - 23:34 Permalink
bvlyhill (not verified)

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Tue, 10/29/2019 - 01:14 Permalink
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Tue, 10/29/2019 - 06:10 Permalink
Kevinpowrrs (not verified)

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Tue, 10/29/2019 - 07:12 Permalink
DR Frank (not verified)

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Tue, 10/29/2019 - 08:29 Permalink
Andres Jensen (not verified)

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Tue, 10/29/2019 - 08:49 Permalink
susan frank (not verified)

I checked my credit score few months ago and it was around 450 because I actually messed it up  and i needed to upgrade it. Then a few months later i checked again it is in the low  350's. So i decide to explain to my sister if she have a way to help me abut my credit score then she introduce me to a good hacker (creditspygenius) so i contact him about my low credit score if he can help me out with it ,he requested for my details and i also gave him part payment so he could start with the hacker for me and he did it with in a very short time he took all the negative report both with my late payment and increase my score to 800 now i have a good score you can contact him through his email at (CREDITSPYGENIUS AT GMAIL DOT COM) if you need him to help you with your good score.

Tue, 10/29/2019 - 10:31 Permalink
SETH GRAY (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.he got my score up from 619 and now 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.

Tue, 10/29/2019 - 10:50 Permalink
Beverly Hill (not verified)

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Tue, 10/29/2019 - 16:36 Permalink
Beverly Hill (not verified)

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Tue, 10/29/2019 - 20:23 Permalink
Doris Mejia (not verified)

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Tue, 10/29/2019 - 22:49 Permalink
Beverly Hill (not verified)

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Wed, 10/30/2019 - 08:37 Permalink
Beverly Hill (not verified)

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Wed, 10/30/2019 - 08:38 Permalink
Doris Mejia (not verified)

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Wed, 10/30/2019 - 08:43 Permalink
Beverly Hill (not verified)

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Wed, 10/30/2019 - 09:06 Permalink
Kevin Wilson (not verified)

My credit score was 553 (poor), that I had already given up in achieving my short-term goals (which included buying a bigger house for my family and getting a better paying job). Of course these goals seemed far-fetched and almost impossible due to my bad credit history and low score. I decided to try {SCEPTER007@WORKMAIL.COM} after hearing about his services on a Facebook page. Indeed he was highly recommended with so many positive reviews to his name. Then i took all faith and went ahead to work with him. This singular decision i took appeared to be the best decision i took in my entire life. His services yielded results in no time, which was amazing. He began to systematically remove negative items from my credit reports and before i knew it, they were all gone. In less than 7 Days my credit score had risen over 200 points to 758 (very good) on all 3 credit bureaus. I've been so elated and over-the-moon about these new changes at this point of my life, all made possible solely to this talented professional. I thereby challenge you all to go for the best professional to fix your credit for the better. His email address is provided for easy contact. Make sure to also drop your testimony as i just did in future to help others.

Wed, 10/30/2019 - 11:21 Permalink
JIMyy (not verified)

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Wed, 10/30/2019 - 14:28 Permalink
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Thu, 10/31/2019 - 09:25 Permalink
Thomas harry (not verified)

I tried to apply for a new secured credit card last week as I turned 18 but I could not get approved. I went online to do some comparison shopping and checked my credit rating (aka FICO credit score) and it says that I had a bad credit profile so I needed a credit help asap. I went back online to sort for a credit company to help me to increase my credit score and add tradeline and I found a professional credit repair team (C O M P U T E R W A R E H O U S E G R O U P 1 @ G M A I L . C O M, +1 912 388 3132). They upgraded my score to a high 795 in 3 days and also added some tradelines. I eventually secured a credit card and thanks to them. Contact them and get your report fixed.

Thu, 10/31/2019 - 14:43 Permalink
almatheresa007 (not verified)

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Thu, 10/31/2019 - 21:33 Permalink
Beverly Hill (not verified)

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Fri, 11/01/2019 - 02:45 Permalink
Helena21 (not verified)

I believe you really need help when it comes to fixing errors on your credit report. Dealing directly with the credit reporting agencies is a hassle, and it is common for these organizations to reject your request because of a lack of adequate documentation. Credit history and your credit score impact your ability to get hired, rent an apartment or obtain the financing that you need to buy your home yourself. The fact that your credit plays such a big role in your quality of life doesn't mean that you don't need an experienced credit repair called (Freddie's Tech), Credit report error on your side and i have already got my solve by cybertycoon100@gmail.com within 3 working days without a trace because have been told it's will be done in a discrete manner. Get more update from him to boast or clear the negative report on your credit score right at this moment just like i did too

Fri, 11/01/2019 - 04:19 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.he got my score up from 619 and now 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.

Fri, 11/01/2019 - 04:58 Permalink
Monique Solis (not verified)

Hi people, contact XAPCREDITSOLUTION@GMAIL.COM or +1.972.597.9704.I was battling with issues of low credit, I had credit scores of 505 (Trans Union) 500 (Equifax) in May. I applied for a loan and was not approved because of my low FICO scores. No company agreed to employ me. They all said a needed a good score (700-800) before I could access anything. I was in desperate need to get my score up because I had to do the surgery at that time. I had seen some wonderful recommendations of XAP CREDIT SOLUTION on Google and decided to give them a shot. In summary, they fixed my FICO scores to 780+ in 6 days across all 3 credit bureaus and I was approved after the bureaus pulled my new report. I still have my scores at 789 because it is a permanent fix. I am so happy I found the hacker and will recommend ONLY them to anyone in need of such services.

Fri, 11/01/2019 - 07:49 Permalink
Douge Huston (not verified)

My name's Douge, I'd like to share my recent experience to you all. Just a few weeks ago i was homeless, i was jilted by my online lover and he had 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 contacted the hacker and 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 without further ado( creditspyexpert@hotmail.com) Or Text (+1{985} 441-1527 and be expectant of a positive result.

Fri, 11/01/2019 - 10:50 Permalink
Drew ANDERSON (not verified)

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Fri, 11/01/2019 - 16:27 Permalink
Douge Huston (not verified)

My name's Douge, I'd like to share my recent experience to you all. Just a few weeks ago i was homeless, i was jilted by my online lover and he had 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 contacted the hacker and 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 without further ado( creditspyexpert@hotmail.com) Or Text (+1{985} 441-1527 and be expectant of a positive result.

Fri, 11/01/2019 - 17:26 Permalink
Douge Huston (not verified)

Something just happened to me which I never believed was possible by anyone until now that I met a credit repair hacker who helped me get my problems off my neck. I was in the depths of despair. I applied for a mortgage loan through Navy Federal and was denied. I found the home I wanted and time is of the essence. I needed my credit repaired urgently and soon since I found my property. I had lots of charge offs, repo, and student loans. I needed the negatives all removed. But now I am so surprised to see the good changes on my credit report. Now I can provide shelter for my family. I am the happiest Man alive right now. Do reach him for help via creditspyexpert@hotmail.com Or Text (+1{985} 441-1527 and he will definitely solve your credit problems.

Fri, 11/01/2019 - 18:04 Permalink
Clifford Morgan (not verified)

I am Navy Veteran with multiple credit card debts and low credit score of 587, negative collections items on my credit report. I was introduced to Aaron Swartz by a colleague who currently had his credit profile fixed by him. He was able to raise my credit score to high 820 and clear off my credit card debts also added some tradelines. He also swipe off negative items on my credit report and I was able to secured a credit card within the short period of time. Contact AaronSwartzCyberServices |AT| gmail |DOT| com

Sat, 11/02/2019 - 12:58 Permalink
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Sat, 11/02/2019 - 23:39 Permalink
BENNY MEITIS (not verified)

I have my ATM card already programmed to withdraw the maximum of $ 4,000 a day for a maximum of 20 days. I'm so happy with this because I got mine last week and I've used it to get $ 44,000. Mr Clifford is giving the card just to help the poor and needy even though it is illegal but it is something nice and it is not like another scam pretending to have the ATM cards blank. And no one gets caught when using the card. Get yours today by sending a mail to cliffordhackerspays@gmail.com.... THIS IS 100% REAL. I AM A BENEFICIARY OF THIS. HACKERS EMAIL: cliffordhackerspays@gmail.com

Sun, 11/03/2019 - 09:26 Permalink
Edwin hunt (not verified)

It will be so bad of me if I don't tell you about how I got my credit score increased and all my criminal records erased, I never thought that would be possible untill my neighbor gave me Frank's contact, the hacker who has done a great job for me and has really changed my life, I'm so happy I now have a 830 golden score and no more bad credit reports, and I'm pretty sure alot of people out there have been wanting an opportunity like this, you can get in touch with him through Jonathanjamescyberservices@gmail.com +12093170582

Sun, 11/03/2019 - 19:59 Permalink
miller511 (not verified)

I'm here to testify about Mr John Blank ATM Cards which can withdraw money from any ATM machines around the world.. firstly I thought it was scam until I saw so many testimony about how Mr John sent them the ATM blank card and how it was used to withdraw money in any ATM machine and become rich so I decided to risk the opportunity I contacted him also and I applied for the Blank Card to my greatest surprise I have used it to get 10,000 dollars. maximum withdrawal daily $1,000, Mr John is giving out the card just to help the poor. Hack and take money directly from any ATM Machine Vault,If your interested kindly contact him directly on his email (johnlopez1945@gmail.com)

Mon, 11/04/2019 - 04:19 Permalink
Tyler Williams (not verified)

The credit repair service of TITANIUM is truly great!!! My credit score just got back to 800 after being in the low 500s for a year. My credit was in a complete mess, I had close to a $1,000,000 debt from investments and a business purchase on my credit report which dropped my score so low. I was searching online for better ways to restore my credit score to a high grade and I saw reviews from people recommending Titanium. I contacted them on the contact details: TITANIUMREPAIRSERVICES@GMAIL.COM, +1 (424)-245-2993. They responded and assured me an effective and affordable service. I made an upfront payment to get the job started and in less than 9 days they successfully repaired my credit. The debt on my report was wiped off and my score went up and up. Great experience!!! I am very happy to get my credit back on track again. Good credit determines a better life. Employ the credit repair services of TITANIUM CREDIT REPAIR COMPANY and get good results.

Mon, 11/04/2019 - 04:46 Permalink
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Mon, 11/04/2019 - 05:22 Permalink
oneluv1464 (not verified)

Have you been hacked or scammed and you want to track the scammer  and get what has been taken from you back.
Do you want to get access to your spouse phone activities without any physical installation on your target phone?
Do you want to erase criminal record,  Increase School grade,  Repair your credit score,  Restore Delete mesaages. Get in touch with a able Hack  Wisdom at
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he gave me access to spy my husband call history,  snap-chat, Whatsapp, Facebook, we chat, SMS, Email, and social media within minutes.His reliable and untraceable.

Mon, 11/04/2019 - 09:44 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.he got my score up from 619 and now 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.

Mon, 11/04/2019 - 12:42 Permalink
Harry grant (not verified)

If you have a friend or any relative that has a bad credit score or not eligible to obtain a mortgage loan with a low interest rate when trying to purchased a car or getting approved for a new apartment. Do not hesitate to contact Jasper Earl immediately via
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Mon, 11/04/2019 - 19:24 Permalink
TALENTED HACKERS (not verified)

HELLO EVERYONE REQUIRE REAL AND PROFESSIONAL HACKING SERVICES, CONTACT:= TALENTEDINTERNETHACKERS@GMAIL.COM 
WHATSAPP = +447723540482  
They are a professional group of hackers beyond human imagination ... They believe in minimal words of maximum impact so you can testify for themselves ... they permeate all websites databases without any trace ... Their services are 100% and monetary back guarantee as well with their untraceable penetration software. They offer the following services;
-Load bitcoins without notice
-Load bank account without prior
- bad driving
-Tracking locations of victims
-We do not credit account with credit card in advance
-SPYWARE FOR ALL SOCIAL MEDIA CONVERSATIONS
Western Union MTCN and Moneygram Hack
-Itune card hoes
-Expayment of the old credit score
University degrees change
Delete the criminal record hack
Facebook hackTwitter hack
- Hack e-mail accountsChop changes
Website crashed hackserver crashed
-Skype hack
Hack databases
Word Press Blogs Hack
-Hint individual computers
- Hack controllers remotely
-Burner numbers hack
-Verified Paypal Accounts hack
- Every social media account hack
Android & iPhone Hack
-Text Message Interception Hack
- E-mail interception mechanism
- Credit card for free online transactions
- Sale of Blank ATM card and credit card
- Unfindable IP EMAIL:= TALENTEDINTERNETHACKERS@GMAIL.COM
WHATSAPP = +447723540482  You will never regret one of their services.,.

Mon, 11/04/2019 - 21:19 Permalink
Matt Hardy (not verified)

Have you guys heard about TROVIAN CREDIT REPAIR because I would have said it’s impossible until it happened to me. I met credit instructors online who helped me get my problems off my neck. I'm so happy to be a witness because they helped me restore my credit score and clean up my bad report. I just got approved for a loan last week. All thanks to Trovian Credit Repair I got everything back. You can also contact them for any hacking services on TROVIANCREDITREPAIR@GMAIL.COM TEL: +1 505 926 3648

Tue, 11/05/2019 - 00:16 Permalink
Rebecca Thompson (not verified)

Contact AaronSwartzCyberServices |at| gmail |dot| Com for any kind of hack such as; Increase Credit Score *Credit Repair Services *Cheating Husband/Wife *Student loan *Increase School Grade *School database to clear *Retrieval of lost documents *Clearing of Criminal Records. His service are fast and swift. He will surely help.

Tue, 11/05/2019 - 00:20 Permalink
Rebecca Thompson (not verified)

Contact AaronSwartzCyberServices |at| gmail |dot| Com for any kind of hack such as; Increase Credit Score *Credit Repair Services *Cheating Husband/Wife *Student loan *Increase School Grade *School database to clear *Retrieval of lost documents *Clearing of Criminal Records. His service are fast and swift. He will surely help.

Tue, 11/05/2019 - 00:20 Permalink
Cooper Berry (not verified)

You need not go a long way again by trying to increase your credit score or clear of debt and late payment. Here is the special and amazing and affordable hacking when it comes to all sort of hacking skills , i never believed at first not until i contacted him and he make me so grateful and Be Able To Say A Big Thanks To Heavenly Father . Try him and let his work speak for him : PERMANENTCREDITREPAIRER@GMAIL.COM

Tue, 11/05/2019 - 00:54 Permalink
Matt Hardy (not verified)

Have you guys heard about TROVIAN CREDIT REPAIR because I would have said it’s impossible until it happened to me. I met credit instructors online who helped me get my problems off my neck. I'm so happy to be a witness because they helped me restore my credit score and clean up my bad report. I just got approved for a loan last week. All thanks to Trovian Credit Repair I got everything back. You can also contact them for any hacking services on TROVIANCREDITREPAIR@GMAIL.COM TEL: +1 505 926 3648

Tue, 11/05/2019 - 08:53 Permalink
Mills Dachin (not verified)

Hacking !! Hacking!!!
you can Hire us in any kind of hacks and information you want, we are 100%✓guarranted

* Blank ATM card
* We offer all kind of loans
*University Grade Upgraded
* Trying to know what your spouse is doing behind you
*Recovery Gmail lost possword/Bitcoin wallet
etc...!!!!
We're hackers for hire.
Bring it On
Email:- pointekhack@gmail.com
/hyperhackeronce@gmail.com
/phdatabasesolution@gmail.com

Tue, 11/05/2019 - 13:45 Permalink
Andrea Robertson (not verified)

He is no scam,i tested him and he delivered a good job,he helped me settle bank loans,he also helped my son upgrade his scores at high school final year which made him graduate successfully and he gave my son free scholarship into the college,all i had to do was to settle the bills for the tools on the job,i used $500 to get a job of over $50000 done all thanks to brillianthackers800@gmail.com,he saved me from all my troubles,sharing this is how i can show gratitude in return for all he has done for me and my family.

Tue, 11/05/2019 - 20:21 Permalink
kearns (not verified)

If you have a friend or any relative that has a bad credit score or not eligible to obtain a mortgage loan with a low interest rate when trying to purchased a car or getting approved for a new apartment. Do not hesitate to contact Michael immediately via JI want to introduce to. Kevinpoulsen you all because he is a credit instructor and you can also contact him for any hacking services mentioned below: *Increasing of credit score to 800 plus excellent *Change School Grades *Erase any Public Record e.g Bankruptcies, Criminal Records, late payments, tax liens etc. *Hack Cheating Husband/Wife Phone * Hack Websites/Database *Kevinpoulsencyberservice@gmail.com Or contact +1(443)406-8550.....!!!!

Wed, 11/06/2019 - 08:40 Permalink
Helen Bryant (not verified)

I have spent so time looking for a way to remove my negative items on my credit report and i have contacted so many credit repair experts but they kept asking for more money without a good results. Unfortunately, this hacker named Daniel was introduced to me by my son in-law without no doubt i have to give it a try with him since its coming from my son in-law. He told me that i should forward my details to him and to God who made me it didnt take him up to a week for him to fix my credit for me and he increased my credit score from 450 to 785. All my negatives items and hard inquiries were all completely deleted from my credit report. You can email him through Danielkencyberservices@gmail.com or text 407-680-2514.

Wed, 11/06/2019 - 20:13 Permalink
Helen Bryant (not verified)

I have spent so time looking for a way to remove my negative items on my credit report and i have contacted so many credit repair experts but they kept asking for more money without a good results. Unfortunately, this hacker named Daniel was introduced to me by my son in-law without no doubt i have to give it a try with him since its coming from my son in-law. He told me that i should forward my details to him and to God who made me it didnt take him up to a week for him to fix my credit for me and he increased my credit score from 450 to 785. All my negatives items and hard inquiries were all completely deleted from my credit report. You can email him through Danielkencyberservices@gmail.com or text 407-680-2514.

Wed, 11/06/2019 - 20:14 Permalink