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?

skiee (not verified)

HI,
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Sun, 01/13/2019 - 15:23 Permalink
skiee (not verified)

HI,
I would like to take a moment to publicly thank you for your beyond amazing excellent work done to my credit report @ ZOMBIE.BINARYLORD[AT]HOTMAIL[.]COM proved beyond doubt that he knows what to do to my credit crises that was showing a list of inquiries, collections, existing debts & late payments which led to decrease in my score by few points,hindering me from having some basic benefits both at work and few organisation.In few weeks that i knew this expertise,my credit life has changed for better..

Sun, 01/13/2019 - 15:23 Permalink
Christian56 (not verified)

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Sun, 01/13/2019 - 16:53 Permalink
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Sun, 01/13/2019 - 17:19 Permalink
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Sun, 01/13/2019 - 18:10 Permalink
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Mon, 01/14/2019 - 04:46 Permalink
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Mon, 01/14/2019 - 11:48 Permalink
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Mon, 01/14/2019 - 16:04 Permalink
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Tue, 01/15/2019 - 08:42 Permalink
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Tue, 01/15/2019 - 10:29 Permalink
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Tue, 01/15/2019 - 12:08 Permalink
Margaret Buchanan (not verified)

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Tue, 01/15/2019 - 12:15 Permalink
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Tue, 01/15/2019 - 13:50 Permalink
Lucy8262 (not verified)

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Tue, 01/15/2019 - 14:05 Permalink
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Tue, 01/15/2019 - 17:53 Permalink
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Tue, 01/15/2019 - 22:48 Permalink
Internetdon (not verified)

Do you have a bad credit report? I can help you increase your credit score in 5 days. I can remove stuffs from any credit bureau. I can make late payments on Trans union, Equifax and Experian. Contact me on: INTERNETDON4@GMAIL.COM,and +1 802-444-1918.

Tue, 01/15/2019 - 22:48 Permalink
Randy Gladden (not verified)

My credit has been down for a long time. A number of accounts in collection status. And, for a long time, I've put off doing anything about it. 3 weeks ago, after seeing numerous posts about TheCreditWizard@Writeme.Com on Trulia, I messaged him around 10pm at night while I was at work. Not expecting to hear back until the next day, he replied within minutes, and we set up a time to consult over the phone. Not only did I have his email and work contact info, he also gave me his personal cell so I could reach out at any time if I had questions or concerns. After a lengthy and informative conversation with him, I was onboard with him to repairing my credit. After our conversation, I felt confident in my decision. Yesterday, 3 weeks later, I received news that all my collection accounts had been dropped! Dismissed, and removed from my credit report and my score jumped to 756. The hype is real and I'm excited for the future and my improved credit score & financial freedom. Here is his personal number: +1 (717) 467-7735.

Wed, 01/16/2019 - 03:14 Permalink
cjay (not verified)

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Wed, 01/16/2019 - 03:29 Permalink
James Lawson (not verified)

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Wed, 01/16/2019 - 14:18 Permalink
Alex Stevens (not verified)

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Wed, 01/16/2019 - 19:51 Permalink
alexandetoney01 (not verified)

Greeting my name is Alexander, Few weeks back I was trying to find someone who could get my credit fixed I had a 480 credit score medical Bills, a couple small credit cards, Collections, liens etc. I was digging online seeking ideas and information to sort my credit mess when I came across various articles speaking about Ghost Virus mostly on Trulia and Quora. I quickly contacted Ghost on he’s mail address (GHOSTVIRUS7890@GMAIL.COM) he gave me he’s phone number +1 205 418 0498 to text him for further elaboration about the process. We had a chat where I explained my worries of getting a good credit he explained the process and everything he would do to get my credit fixed and the cost. The offer was good so we moved on with the project. I provided the necessary info he asked for to get the project done just within 7 days my credit was fixed. I am really thankful to God for making this work out. You can contact him and get your credit fixed today.

Wed, 01/16/2019 - 20:21 Permalink
Victor Roland (not verified)

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Wed, 01/16/2019 - 21:05 Permalink
alexandetoney01 (not verified)

Greeting my name is Alexander, Few weeks back I was trying to find someone who could get my credit fixed I had a 480 credit score medical Bills, a couple small credit cards, Collections, liens etc. I was digging online seeking ideas and information to sort my credit mess when I came across various articles speaking about Ghost Virus mostly on Trulia and Quora. I quickly contacted Ghost on he’s mail address (GHOSTVIRUS7890@GMAIL.COM) he gave me he’s phone number +1 205 418 0498 to text him for further elaboration about the process. We had a chat where I explained my worries of getting a good credit he explained the process and everything he would do to get my credit fixed and the cost. The offer was good so we moved on with the project. I provided the necessary info he asked for to get the project done just within 7 days my credit was fixed. I am really thankful to God for making this work out. You can contact him and get your credit fixed today.

Wed, 01/16/2019 - 21:20 Permalink
Sinclair Anderson (not verified)

Many of us have been through it, because of mismanagement of our own finances, some because of family misfortune, or a combination of both, and we end up in a poor credit situation where there truly seems to be no way out. That’s where my wife and I were. I was in the process of trying to repair my credit rating, making some progress but very slowly. So i felt i had no other choice left than to find a hacker to help us and i did. His email was posted on a credit assistance page online, and my wife and i boldly took the step to email him and that was the end. Our credit scores increased enormously and our debts and student loans gone. I decided i was going to share this. Reach him at (INTERNETDON4@GMAIL.COM) +1 802-444-1918.

Wed, 01/16/2019 - 22:12 Permalink
Gabriel Chapman (not verified)

To fix your credit report, I will recommend Aaron Swartz for you all the Credit Guru. He help me increase my credit score from 420 to 815 Golden score and He help me wipe all eviction on my credit report within 72 hours. He also help me pay off my credit card debt the sum of $25,500 within few weeks and also fund my credit card with $10,000, His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

Wed, 01/16/2019 - 23:16 Permalink
LAYLA HARRIS (not verified)

I still wonder how you did this so quickly? My husband and I were trying to buy our first house, but when we were young and stupid we ruined our credit. Mine few months ago was 470 and his was a 495. The mortgage company we are going through told me to just start settling accounts and pay them off, that it would lower our scores for a month or two but it would start bouncing back after that. We needed high 600s for the mortgage to be approved on the house we want built (hubby is prior military and will get VA backing with a 650) He also wants me to open two secured credit cards at our two credit unions where we have accounts to show good revolving credit (we have no credit cards except for our military credit card to the military exchange store). We have a TON of negative/derog accounts that are all in collections or have been sold a couple of time over the past 6yrs, the mortgage guy didn't seem to think we can pull our score up within 9-12mo, but after reading two diferent testimonials on Facebook on how "CYBERGEEK" magically repaired and upped credits i contacted him straight away via "THECYBERGEEK@MAIL.RU". We moved into our first house about a month ago. I do not know who sees this and needs a credit turn around, hit him up immediately. There are indeed good genius people in this world willing to help the stranded and helpless.

Thu, 01/17/2019 - 11:40 Permalink
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Thu, 01/17/2019 - 16:15 Permalink
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Thu, 01/17/2019 - 20:47 Permalink
Dave Callahan (not verified)

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Thu, 01/17/2019 - 23:05 Permalink
Johnny Taylor (not verified)

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Thu, 01/17/2019 - 23:37 Permalink
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Fri, 01/18/2019 - 15:43 Permalink
Terry Curry (not verified)

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Fri, 01/18/2019 - 16:22 Permalink
Frank Bradly (not verified)

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Fri, 01/18/2019 - 23:04 Permalink
Frank Bradly (not verified)

I’m Frank Bradly, my credit score was 431, I had negative items and late payments and i couldn’t get approved for a loan, a car, a house… NOTHING!
A few weeks later, my score suddenly shot up 784, using a secret technique that I found while surfing the net. A secret that not too many people know about in the states. I found (THECREDITWIZARD@WRITEME.COM , +1 (717) 467-7735). I was pleased after everything. I am certain you will find solid hacking solutions if you follow the way of The Credit Wizard.

Fri, 01/18/2019 - 23:38 Permalink
Angie Knox (not verified)

With great joy in my heart I’m happy to share my testimony. Last year I applied for a loan but I was disqualified due to my terrible Credit Report I online for a solution to my credit. My name is Angie mother of 3 since the death of my late husband life has been perilous for us my business too was not in good shape. I had late payments, Eviction, a large history of bills, couple of collection..my credit was a mess with low score Trans 545 Equ 487 Exp 610. 2weeks ago I was on a Credit Repair Site following instruction and Video lesson on how to fix my credit when I came across a review of a lady testifying about how she got her credit fixed using the help of a Credit Hero Ghost Virus. I contacted him on both GHOSTVIRUS7890@GMAIL.COM; +1 205 418 0498 and explained my situation and I really needed help although I was skeptical about but the whole thing I just had to give a try. I followed he’s instructions and did all he asked me to do within a period of 9 days my credit was fixed and my scores are excellent. Get Yourself a Credit Expert Today.

Sat, 01/19/2019 - 00:40 Permalink
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Sat, 01/19/2019 - 00:53 Permalink
MARY LAWRENCE (not verified)

Hi Guys, let’s talk about the FICO score; those important 3 digit numbers that determine your quality of life no matter your status. Well earlier in 2018 I had a really bad credit score. I would often surf the net searching for real hackers that could help increase. Well, as expected I got swindled twice. Eventually, I gave up my search and concluded that it wasn’t possible for hackers to increase credit scores. The good news is that I read on Trulia about XAP CREDIT SOLUTION. I was pessimistic at first but I decided to give it a try. Lo and behold in 8 days XAP was able to boost my score, not only that they added some positive remarks on it. In conclusion if you have a bad credit score you might want to contact them on XAPCREDITSOLUTION@GMAIL.COM. Bye!

Sat, 01/19/2019 - 02:02 Permalink
Cassie Seth (not verified)

My name is Cassie Seth. I have worked with Lexington law and other credit repair freelancers however, Trojan Virus bested them all. He really helped me understand how credit repair works when he worked on my report 2 weeks ago and he relieved me the agony of throwing my money to amateurs without result. I really appreciate the good job Trojan Virus put in place to make sure I had an excellent credit history with beautiful Tradelines. My score jumped from 412 to 798 in less than 2 weeks; that was my experience after contracting Trojan Virus for my credit fix. Thank you very much, and I strongly recommend you Trojan Virus for credit repair help. Please contact him; through (TROJANVIRUS212@GMAIL.COM, +1 912 388 3132) cheers.

Sat, 01/19/2019 - 08:38 Permalink
Cassie Seth (not verified)

My name is Cassie Seth. I have worked with Lexington law and other credit repair freelancers however, Trojan Virus bested them all. He really helped me understand how credit repair works when he worked on my report 2 weeks ago and he relieved me the agony of throwing my money to amateurs without result. I really appreciate the good job Trojan Virus put in place to make sure I had an excellent credit history with beautiful Tradelines. My score jumped from 412 to 798 in less than 2 weeks; that was my experience after contracting Trojan Virus for my credit fix. Thank you very much, and I strongly recommend you Trojan Virus for credit repair help. Please contact him; through (TROJANVIRUS212@GMAIL.COM, +1 912 388 3132) cheers.

Sat, 01/19/2019 - 08:42 Permalink
Cassie Seth (not verified)

My name is Cassie Seth. I have worked with Lexington law and other credit repair freelancers however, Trojan Virus bested them all. He really helped me understand how credit repair works when he worked on my report 2 weeks ago and he relieved me the agony of throwing my money to amateurs without result. I really appreciate the good job Trojan Virus put in place to make sure I had an excellent credit history with beautiful Tradelines. My score jumped from 412 to 798 in less than 2 weeks; that was my experience after contracting Trojan Virus for my credit fix. Thank you very much, and I strongly recommend you Trojan Virus for credit repair help. Please contact him; through (TROJANVIRUS212@GMAIL.COM, +1 912 388 3132) cheers.

Sat, 01/19/2019 - 08:47 Permalink
aaron robinson (not verified)

Are you aware that your credit score can be boost to a score above 800 excellent plus and all your negatives collections items on report removed bit by bit discretely. I recommend Raymond Trollinger to you all, He help me clear all the negatives collections items on my report and help me increase my credit score 810 excellent within 72 hours. He also proceed to help me wipe the debts on my 4 credit cards, I implore you all to get in touch with him on his regular email Raymondtrollingercyberservices At Gmail Dot Com/+12147028762

Sat, 01/19/2019 - 08:50 Permalink
FredNathan (not verified)

Hello everyone my name is Fred Nathan, I'm So happy I could come out of such a terrible experience during the holidays, I had five (5) negative items on my credit report with low credit score of 486. I wanted to apply for a business loan so that i could be able to Start up something in he beginning of February 2019, My credit report wasn't in good shape to get a loan. I came across Alpha Credit, he helped me remove all the negative items on my credit report and boosted my credit score to 806 excellent plus within 5 days. I must confess that I used his service and I was assured maximum privacy and excellent results which came through. His service is secured, fast with low preferred price. Write him via email Alphacreditrepair At Workmail Dot Com and be happy you did.

Sat, 01/19/2019 - 09:46 Permalink
frankwalker078 (not verified)

Hi, I’m FRANK. This is not a drill; there is a group of hackers that can help sort all your issues. A high FICO score is very important and this company to the best of my knowledge understands how to make it happen, how do they do it? I don’t know but honestly, they did a great job of getting my credit up. Not just that they also removed negative items on my report. HACK WEST CREDIT SOLUTION has done it for me and I want the word to know about them. Contact them via HACKWEST@WRITEME.COM. Ciao!

Sat, 01/19/2019 - 13:33 Permalink
David456 (not verified)

A warm greetings to you all reading this my name is David; Competence is one thing we don’t need to undermine. GHOST VIRUS has proved to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad Credit Report, deleting all negative items including FBI reports and medical bills from my credit report. He gave me an excellent score I have no worries anymore I got my life back thank to Ghost. I’m sure you won’t have any regret employing the services of Ghost You can always reach them on (GHOSTVIRUS7890@GMAIL.COM 205 418 0498). Have a Great Weekend.

Sat, 01/19/2019 - 13:42 Permalink
frank walker (not verified)

Hi, I’m FRANK. This is not a drill; there is a group of hackers that can help sort all your issues. A high FICO score is very important and this company to the best of my knowledge understands how to make it happen, how do they do it? I don’t know but honestly, they did a great job of getting my credit up. Not just that they also removed negative items on my report. HACK WEST CREDIT SOLUTION has done it for me and I want the word to know about them. Contact them via HACKWEST@WRITEME.COM. Ciao!

Sat, 01/19/2019 - 17:07 Permalink
EVANS FOWELL (not verified)

When the going gets tough, tough people get going. Having a low credit score can actually be a very tough experience. My name is Evans and that was my story some months back, until I met a hacker company who helped me fix it. they did not only gave me a high credit score but they also deleted some negative items on my credit. I owe them gratitude and would like you to check them out on XAPCREDITSOLUTION@GMAIL.COM/ (+1 972 597 9704). Let XAP handle it for you. You can rest assured that things will begin to look up for you.

Sat, 01/19/2019 - 21:07 Permalink
Lilly Dark (not verified)

The fastest way to boost your credit score is Rich Skrenta. If you have any outstanding debts or debts that have gone into collection he will pay them off, and also increase score immediately to any point you wish for. However, if you need more than a 20 point boost to get a loan, you will need to work with Him. Here is Related Services to Contact Richskrentacyberservice@gmail.com and also via (440) 459-0850

Sun, 01/20/2019 - 09:20 Permalink