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?

Benny Cole (not verified)

Having a messy credit is definitely one of the biggest financial problem one can have, I needed a loan to get a car so has boost my bad financial condition but this wasn't appproved on several occasions because of my credit score made a dip after my divorce to 486, after several failed attempts of fixing my credit my sister linked me to a credit genius who didn't just remove the eviction from my credit report but raised my score to 793. Having similar issues? mail CLEVERHACKER (.) HACK (@) GMAIL (.) COM or text 7818169462

Wed, 03/27/2019 - 05:36 Permalink
tunnerdiva (not verified)

I have been working with the godeye for approximately a week now, Please note you will get personal attention and fast results, I wanted to Express my personal appreciation to the godeye, He is one of the outstanding Credit Manager that really really cares to repair your credit on a personal level. I have spoken highly of how kind and helpful in explained everything how he helped me increase my credit score to a whooping 790 from 460. He would call/email me back and answers and review my Credit file, such a nice way to care for his clients, thank you godeye, you deserve my Military Purple Heart, God bless and if anyone who is interested in Credit Restoration, I honestly can say the godeye is Excellent for anyone whom desires a Future credit evaluation, Believe me, He is the best.... (GODEYEVIEWHACKER at HOTMAIL dot COM OR 443-338-3730). Thank you for your excellent Credit Repair Service

Wed, 03/27/2019 - 05:45 Permalink
Tonya Todd (not verified)

I will like to tell you little of my life story, early this year January i was thinking of how to make this year a successful year for me and the kids my husband left for after he died last year. My score was low and that has terminate my credit report But Rich Skrenta Bring a brighter light into my life of his help i was able to erase all Bad Record on Credit Report and also increase my credit score to 790 Golden Score. All Thanks To Him, He's My Small god !!! richskrentacyberservice@gmail.com.

Wed, 03/27/2019 - 08:31 Permalink
Mary50798 (not verified)

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Wed, 03/27/2019 - 11:20 Permalink
Melissa Bergeron (not verified)

I'm not that good of a writer but I just want to use this medium to thank KING ZEUS for coming through for me when I done gave up on myself. He assisted me in securing a loan when every other creditors will not grant me any, because of my bad credit history. This changed my life and that of my family as we are able to purchase a 3bdrm house and a car. I'm so grateful. Text him on 407-900-6299 / hackkingzeus at gmail . com if you need help too.

Wed, 03/27/2019 - 11:26 Permalink
adams mitchell (not verified)

i would have made the biggest mistake of my life if i have never contact creditspygenius because my credit score was very low and i need to rent an apartment which my score is not qualified for it and i couldn’t stand to be homeless so i cried out to my sister and she help me google search how to meet with a hacker for credit repair.. we finally meet one on disqus site which i saw a lot of testimony about him after he had helped lot of people repair their credit score so we decide to contact him and i explained to him how bad my score was so he asked me to make some part payment which i did with faith and to my surprise he change my score from 300 to 720 , didn’t believe it will work less then 2 days of the payment is a good man and no one have regret working with him contact him on his email (CREDITSPYGENIUS AT GMAIL DOT COM)

Wed, 03/27/2019 - 15:01 Permalink
adams00 (not verified)

i would have made the biggest mistake of my life if i have never contact creditspygenius because my credit score was very low and i need to rent an apartment which my score is not qualified for it and i couldn’t stand to be homeless so i cried out to my sister and she help me google search how to meet with a hacker for credit repair.. we finally meet one on disqus site which i saw a lot of testimony about him after he had helped lot of people repair their credit score so we decide to contact him and i explained to him how bad my score was so he asked me to make some part payment which i did with faith and to my surprise he change my score from 300 to 720 , didn’t believe it will work less then 2 days of the payment is a good man and no one have regret working with him contact him on his email (CREDITSPYGENIUS AT GMAIL DOT COM)

Wed, 03/27/2019 - 15:11 Permalink
Tiffany Schmidt (not verified)

I used a Aaron Swartz to erase eviction from my credit report and He also help me raise my credit score to 831 excellent score within 72 hours I'm glad because I needed it. He is real and fast, secure without traces, Contact info AaronSwartzCyberServices At Gmail Dot Com

Wed, 03/27/2019 - 22:19 Permalink
cathy sanders (not verified)

Hi everyone, my name is albert jonnah. I have been married for 6 years with 2 kids. I needed urgent help fixing my credit report and taking away few negative, this did not go as planned as I had expected, I got scammed twice by two different scarmmers who seemed so real to fix my report at the time. My wife threatened to leave me beause I had deeped into our life savings for the credit repair, I was devastated and didn't know what to do. the sacrmmers left me broke, I had only some few cash with me to feed. I explained my story to my buddy and best friend he introduced me to KEVIN MITNICK, but told me only attends to high profile jobs and people who are willing to pay and concult with him. I had no choice because it was my only shot at getting back what I have lost to scarmmers. I couldnt get his personal number for some security reasons, so I contacted his personal work email at KelvinMitnick64 at Gmail dot Com and explained my story to him, few hours later I received his reply, did all he asked of me and I can say to you that in less than 3 working days, I got an improved score of 780. He promised to get hold of the scarmmers and did just that. Mr Kevin Mitnick traced the scarmmers with the information I provided and tranfered all money lost back to my account. I never thought in my life this was possible, but it is!!!! this great hackers saved my life and my marraige. I am indeed grateful to him, good people still does exist. if you are ever in need of any service at all I gurantee you that Kevin Mitnick will solve and arrest the situation. God bless us all.

Thu, 03/28/2019 - 01:00 Permalink
Jane Walton (not verified)

I was once stuck with low credit score of 538 until I found a fixer which I read about online and a lot of people keep rating him with positive comments.He handle my job professionally and now my credit score is upgraded to 784.He promise to help me secure a loan to my account to do the job for me. Now I'm sharing from my first house which I wouldn't have got without his help,I promise to review him to the world for the great help he did to me. Mail him at nerdoracle247|AT|gmail|DOT|com or phone (781) 816-9462

Thu, 03/28/2019 - 09:08 Permalink
jeff reymond (not verified)

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Thu, 03/28/2019 - 14:17 Permalink
Jeanne Campbell (not verified)

I made a severe mistake trusting these credit repair companies after paying a monthly fee for 8 months and they could not delete a negative item from my report, the only thing they did successfully was to raise my credit score by 80 points though I was still struggling with my credit until I read a particular review on Journal times about a particular hacker named Derrick. I got his info off the site and I reached him via email DERRICKREPAIR@TECHIE.COM, +1 830 308 7397. In 5 working days, Derrick came through and also verified the changes. Email him now to be a witness and also a testifier to his good works, tell him Jerome referred you.

Thu, 03/28/2019 - 15:06 Permalink
Damian Fraser (not verified)

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Thu, 03/28/2019 - 18:52 Permalink
oramoon (not verified)

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Thu, 03/28/2019 - 21:10 Permalink
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Thu, 03/28/2019 - 22:55 Permalink
Isabel Ms Pires (not verified)

My credit score was 435 and I couldn’t get approved for a loan, a car and a house…NOTHING! It was draining in every aspect of my life because I got kids and I have to protect their future. After 7 working days, my score suddenly shot up 730 using a secret technician and guru. He truly was honest and explained how the whole process works and the time duration. He told me it would take a few days to get it done and he kept to his word. Now I can apply for just about anything that I want. I can’t thank him enough. Get in touch with him today and make yourself a bright future tomorrow. You Can Contact him at wesleycagecreditexpert@gmail.com

Thu, 03/28/2019 - 23:46 Permalink
Frank Candela (not verified)

I can guarantee you 100% that he is the best when it comes to credit repair.
I used him to fix my credit 3 weeks ago and he helped me get my work done in no time after giving him the necessary details to get the work started.
What he actually did is a permanent change on my report. He help me add more tradelines and now i can apply for car loans, house loans, medical,
surgery, car loans and many more and He also cleared all my debt collectors
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Fri, 03/29/2019 - 02:14 Permalink
Nelson Edwards (not verified)

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Fri, 03/29/2019 - 09:38 Permalink
Kenneth09 (not verified)

I never knew i could get out of this credit debt but thanks to my dad who recommend Robert Morris to me. I gave him a text regarding my bad credit score and he told me that he will get everything done within few days and i should get him some of my informations for the hack. After two days, when i checked my credit karma and my credit score has been upgraded to 802 excellent plus and erase all the Hard inquiries, negative items and pay off my credit debt on my credit report. Email him at CREDITSPYGENIUS At Gmail Dot Com

Fri, 03/29/2019 - 10:41 Permalink
Seek Holly (not verified)

I have run into lost', '', 'I have run into lost, My Business was not moving fine has before so i decided to go for A Business Loan But i was demoted of my very poor Score. i was very embarrassed about this plus i don't even know what to do again i contact a friend Called Kevin for help, He introduce me to an incredible Hacker i never believed him because i have been scam by many of mock-up hacker but he's quit different with his best and fast service. I decided to make use of him and he did a grateful job by making a drop on my outstanding loan that has not yet been paid and help me apply for a loan to start a new life with my business and also increase my credit score to 810 excellent along the line. I am forever grateful, Stop Spending Too Much With Someone Else Get Him For Your Worry's On : RICHSKRENTACYBERSERVICE AT GMAIL DOT COM'

Fri, 03/29/2019 - 10:49 Permalink
lewis Scott (not verified)

I never knew a hacker could help improve credit score until i met one on a discussion forum when i googled how to improve my credit score, i read a lady's comment on how capable the hacker is of solving any problems that relates to hacking. So i sent him a mail and asked if he had the ability to raise credit scores(all 3 companies) and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he'll need to run the hack. when i did just that, he completed the hack in less than two days at a price that's worth it. i give all thanks to the ethical hacker for coming to my aid when i needed him the most. Reach the hacker at CREDITSPYGENIUS At Gmail Dot Com.

Fri, 03/29/2019 - 11:08 Permalink
lewis Scott (not verified)

I never knew a hacker could help improve credit score until i met one on a discussion forum when i googled how to improve my credit score, i read a lady's comment on how capable the hacker is of solving any problems that relates to hacking. So i sent him a mail and asked if he had the ability to raise credit scores(all 3 companies) and also eliminate eviction off court records. Then he replied yes and asked me to provide him some info of mine he'll need to run the hack. when i did just that, he completed the hack in less than two days at a price that's worth it. i give all thanks to the ethical hacker for coming to my aid when i needed him the most. Reach the hacker at CREDITSPYGENIUS At Gmail Dot Com.

Fri, 03/29/2019 - 11:08 Permalink
Wayne Crawford (not verified)

After he might have removed the past eviction and bad negatives items from my credit report. He also help me in boosting my credit score across the three credit bureaus and raised my credit score to an excellent rating without no physical contact been traced after the repair. Give him a mail at Robertmorriscyberservice@gmail.com or Text him through (657) 222-3404.

Fri, 03/29/2019 - 14:01 Permalink
Charlie Alfie (not verified)

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Fri, 03/29/2019 - 17:53 Permalink
Chalfie (not verified)

Do you really need to get with a mortgage broker who can advise you ? Are you very close on your lowest score? Sometimes the things that seem to make sense to improve credit scores contacting SPIDERWEBHHACK@GMAIL.COM (669)2005680 which I considered a smart move from anyone who wish to be Financially freed (you then are cash RICH). Probably the worst thing you could do right now in my opinion is to waist your time at Lexington law, they are RIP OFF Spider web is a reputable and experienced hacker who cleared my bad history. I am indebted to these brain of wisdom! Do not hesitate to drop him a message via email or text ( spiderwebhhack@gmail.com (669)2005680 ) I f you want your credit history looking healthy.

Fri, 03/29/2019 - 21:06 Permalink
vice hacker (not verified)

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Sat, 03/30/2019 - 05:30 Permalink
Thompson Davis (not verified)

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. contact him through his email CREDITSPYGENIUS At Gmail Dot Com.

Sat, 03/30/2019 - 13:39 Permalink
Betty Kimberly (not verified)

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Sat, 03/30/2019 - 13:59 Permalink
Louisa (not verified)

So I saw he’s GHOSTVIRUS reviews all over the internet and like wow who’s this guy I need to check him out actually I was looking to get a home loan but my credit was way bad and need a serious attention after I contacted this guy and he explained everything to me about credit repair and how it works. I got excited I learnt a whole lot from him he fixed my credit within 14 days of credit repair process I highly recommend GHOSTVIRUS7890@GMAIL.COM 205 418 0498 today I bet he can get you to your dreams have a wonderful day Louisa

Sat, 03/30/2019 - 22:55 Permalink
James Johnson (not verified)

I have been homeless for months now but to God be the Glory and i just moved in my newly furnished 3 Bedroom apartment in LA. I’m really grateful about what Frank Maguire did for me because he really make life easier for me and just got credit cards worth over $40k in total after he helped me to remove the past eviction on my credit report without no physical contact. Give him a mail at FrankMaguire313 at GMAIL dot COM or Text him 406-578-8234.

Sun, 03/31/2019 - 02:03 Permalink
Robin Golofsky (not verified)

Honestly recommend Hack West Credit Repair to everyone very fast and efficient, always answered any questions we had or concerns and always kept us updated throughout every step of the way. We saw a huge change within the first two days and I mean huge change. Thanks to them we have recently been approved for a mortgage after they fixed my score.
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Sun, 03/31/2019 - 19:13 Permalink
Klay Rose (not verified)

I have never see such a credit miracle been done on my report until recently when i got introduce to Robert Morris about repairing my credit and he didn’t took him much time to get everything done for me within 72 hours. He raised my credit score above 800’s respectively across my three Credit Bureaus and erasing the past Eviction on my credit report too. He is an upright man and very humble indeed. For contact info, mail him at ROBERTMORRISCYBERSERVICE at GMAIL dot COM or Text him via (657) 222-3404.

Mon, 04/01/2019 - 04:57 Permalink
Ray Robin (not verified)

I finally got a solution to my hard time of not fixing my bad credit when it needed to be fixed and I've been scam by some group of hacker. I decided to contact him and explained my story to him and he didn't delay me before he helped me, He help me strike out those unique negative items on my credit report and help me increase my credit score to 800 best grade within 72 hours. He's Skillful and talented on his job, i will like you to contact him for help on here : [Permanent Credit Repairer @ gmail . com]

Mon, 04/01/2019 - 05:39 Permalink
affleck irons (not verified)

ROCKBASE CREDIT REPAIR is simply the best when it comes to getting your credit fixed. Their job is the most effective thus far, and my score has been upgraded to 735 from 489. There is no need worrying over your situation when you have the solution at your fingertips. You can’t change the past but you can make the future. Just contact them via ROCKBASE@PROTONMAIL.COM. Or Text (972)449-1968.

Mon, 04/01/2019 - 08:08 Permalink
Charlie Alfie (not verified)

Bad credit score can be a thing of the past,if only you can reach out to spiderwebhhack@gmail.com i just got out of bankruptcy and a need to purchase a house is my utmost priority.During the seasoning period i came in contact with Spider web ,was told by few Lenders, that i will be waiting for 1 year plus for FHA loan.i have a saving and a very poor credit score of 511 and two credit card debts from 3 years. The only option i had was to repair my score because ,i cant afford to pay higher interest rate and wait that long.Hiring SPIDER WEB to fix my credit score rocketed my FICO score to 790 and cleared all credit card debts in a stipulated time as promised.I just got approved for a loan of $190,000 with less interest rate compared to when i was in Lexington law ( a huge rip off ). Spiderwebhhack@gmail.com or 6692005680

Mon, 04/01/2019 - 09:52 Permalink
Roger Harrison (not verified)

I was relaxing at home when I saw a headline on CNN about how hackers transfer billions from bank database. I found that hard to believe and my curiosity had me googling about bank hacking and transfers. I saw someone writing about King Zeus doing such thing for them and I did contact him. I asked him for $10,000 and was told to pay $850 for the transfer, it was a weekend so I was asked to wait until the next Monday. At about 11:33 AM on Monday, I got a transfer of $10,000 to my TD Bank account. All thanks to CNN for making me know that this stuffs exist and many thanks to King Zeus for this help and also keeping to his word. Talk to him on hackkingzeus@gmail.com

Mon, 04/01/2019 - 10:53 Permalink
tunner diva (not verified)

I have been working with the godeye for approximately a week now, Please note you will get personal attention and fast results, I wanted to Express my personal appreciation to the godeye, He is one of the outstanding Credit Manager that really really cares to repair your credit on a personal level. I have spoken highly of how kind and helpful in explained everything how he helped me increase my credit score to a whooping 790 from 460. He would call/email me back and answers and review my Credit file, such a nice way to care for his clients, thank you godeye, you deserve my Military Purple Heart, God bless and if anyone who is interested in Credit Restoration, I honestly can say the godeye is Excellent for anyone whom desires a Future credit evaluation, Believe me, He is the best.... (GODEYEVIEWHACKER at HOTMAIL dot COM OR 443-338-3730). Thank you for your excellent Credit Repair Service

Mon, 04/01/2019 - 12:16 Permalink
micheal scott (not verified)

It’s so Crazy, I have met a lot of fraudsters claiming to be hackers but kept ripping me off money, not until I came across Richard Stallman who brought me out of my mystery and reuniting my husband back to me, it's a great relief. Why not tell your situation to this hacker, he just might be your savior also. He saved my home that's the reason why am recommending him to you. Besides,I guess he does other hacking services also like increasing FICO score, school grades, cloning and data base hack. Just tell him your situation am sure he will help you out RICHARDSTALLMANCREDITREPAIR@GMAIL.COM.

Mon, 04/01/2019 - 19:07 Permalink
micheal scott (not verified)

It’s so Crazy, I have met a lot of fraudsters claiming to be hackers but kept ripping me off money, not until I came across Richard Stallman who brought me out of my mystery and reuniting my husband back to me, it's a great relief. Why not tell your situation to this hacker, he just might be your savior also. He saved my home that's the reason why am recommending him to you. Besides,I guess he does other hacking services also like increasing FICO score, school grades, cloning and data base hack. Just tell him your situation am sure he will help you out RICHARDSTALLMANCREDITREPAIR@GMAIL.COM././

Mon, 04/01/2019 - 19:10 Permalink
Linda Parkyn (not verified)

In life nothing is impossible, i always imagine if i can trust any one on my bad credit Report which have been keeping me worried for years. But my point of view Rich Skrenta deserved to be trust i saw him helping my uncle increase his credit score So try to contact him also for help, i explain my worried to him and conclude to render his best of service to me. Scrape out all bad item which have been preventing me from getting A Loan and Apply for A Credit card within business working days. I will advise you all to get to him if you have any credit report issues (Rich-Skrenta-Cyber-Service@Gmail Dot Com or (440) 459-0850) He's an expert & best man on his job.

Tue, 04/02/2019 - 06:46 Permalink