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?
Credit Repair
I'm Bryan Rodney, a regular worker and father of three(3) daughters. I've been on a steady pursuit for financial freedom, which had me make diversification of my finance into investment streams. Unfortunately, I got scammed massively and had to go in debts at that cause, leaving me with a very bad credit score.
I got introduced to Mr. Zeek, a hacker who helped me raise my score from a 255 to mid 700 on all credit bureau's, he also did a good job in deleting every negative collections on my credit report.
Contact him via email on_Zeektech01@gmail.com OR Text_(707)-500-1675.
XAP CREDIT SOLUTION can fix your credit and boost your score
Sometimes, you can read something online that will help improve your life; I missed paying back my loans, my cards were maxed out and I was late on the rent, all these did serious harm to my credit profile, my FICO dropped to as low as 426. I was at an all-time low as I needed to secure a loan in order to offset my wife’s medical bills. Until, last month when I came across a review on Trulia about XAP CREDIT SOLUTION a credit reform company. I decided to give them a try. 2 weeks after we reached an agreement and I met the requirements which obviously wasn’t much, my profile was repaired totally. Now my score is at 780. All thanks to XAP. Reach them via XAPCREDITSOLUTION@GMAIL.COM or text (972) 597 9704. I kid you not. You’ll be glad you did.
I’m a single mom. My credit has been horrible for so long. I didnt think anyting would help it... and I was very skeptical when I heard of Hack West Credit Repair. I thought it was a scam and didn't believe they were who they said they were. But I took a chance and trusted them and am so glad I did.. West has been so easy to talk to, I call, he answers... I have a question, he explains. Something new is happening then he calls me. There’s always communication. Of course a little ways and I realized it wasn't a scam. I'm very pleased with my results and very soon I will be very excited to take my children and my family into our new home... I can honestly say it wouldn't have happened without Hack West!! I'm very happy I answered the phone call that day.... thank you for raising my score to 769 in less than 9 days. (HACKWEST@WRITEME.COM/ (424) 307 2638).
I’m a single mom. My credit has been horrible for so long. I didnt think anyting would help it... and I was very skeptical when I heard of Hack West Credit Repair. I thought it was a scam and didn't believe they were who they said they were. But I took a chance and trusted them and am so glad I did.. West has been so easy to talk to, I call, he answers... I have a question, he explains. Something new is happening then he calls me. There’s always communication. Of course a little ways and I realized it wasn't a scam. I'm very pleased with my results and very soon I will be very excited to take my children and my family into our new home... I can honestly say it wouldn't have happened without Hack West!! I'm very happy I answered the phone call that day.... thank you for raising my score to 769 in less than 9 days. (HACKWEST@WRITEME.COM/ (424) 307 2638).
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I have been working with the godeye for a little over 4 days and I have a total of 9 deletions thus far out of 34 items (20%). He also help me increase my credit score to 800 excellent and I am hoping that I can eventually purchase a home as well. I have experienced a set back (losing job in the past) since enrolling but the god eye keep me back in shape and I am trying my best to stay on top of my bills and debt until I can obtain a job......He did his part by helping me out. He is the real deal (GODEYEVIEWHACKER at HOTMAIL dot COM). Will update again soon
Credit repair testimony
I'm Bryan Rodney, a regular worker and father of three(3) daughters. I've been on a steady pursuit for financial freedom, which had me make diversification of my finance into investment streams. Unfortunately, I got scammed massively and had to go in debts at that cause, leaving me with a very bad credit score.
I got introduced to Mr. Zeek, a hacker who helped me raise my score from a 255 to mid 700 on all credit bureau's, he also did a good job in deleting every negative collections on my credit report.
Contact him via email on_Zeektech01@gmail.com OR Text_(707)-500-1675.
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I was searching for loan to sort out my bills& debts, then i saw comments about Blank ATM Credit Card that can be hacked to withdraw money from any ATM machines around you . I doubted thus but decided to give it a try by contacting {blankatm156@gmail.com} they responded with their guidelines on how the card works. I was assured that the card can withdraw $5,000 instant per day & was credited with $50,000 so i requested for one & paid the delivery fee to obtain the card, after 24 hours later, i was shock to see the UPS agent in my resident with a parcel{card} i signed and went back inside and confirmed the card work’s after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this Via: blankatm156@gmail.com
Credit Repair
I'm Bryan Rodney, a regular worker and father of three(3) daughters. I've been on a steady pursuit for financial freedom, which had me make diversification of my finance into investment streams. Unfortunately, I got scammed massively and had to go in debts at that cause, leaving me with a very bad credit score.
I got introduced to Mr. Zeek, a hacker who helped me raise my score from a 255 to mid 700 on all credit bureau's, he also did a good job in deleting every negative collections on my credit report.
Contact him via email on_Zeektech01@gmail.com OR Text_(707)-500-1675.
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I met this hacker name Robert Morris through a credit forum and decided to work with him in repairing my bad credit records. I got in touch with him about my bad credit then he told me to forward the necessary information needed for the credit repair and told me that he will get everything done for me within few days. After, i got a mail from me to check my credit karma and couldn’t believe that my FICO Score went up to 790 with an excellent credit rating on my credit file. I can’t thank him enough than to recommend his services to y’all so you can get in touch with him also through ROBERTMORRISCYBERSERVICE@gmail.com or Give him a text at (657) 222-3404.
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I've been working hard towards making purchase of my dream house but my low credit score got me denied and all efforts unproductive. All these made my family incomplete and I had to search out for solutions from the internet. Awesome testimonies from past clients made me reach out to a credit repairer named Mr. Zeek, we got to work and he helped me remove all negative items on my credit report, boosting my credit score to mid 700 within a couple of days, forever grateful.
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guest
I checked my credit score few months ago and it was around 330 because I had JUST messed it up and i need to upgrade it. Then a few months later it is in the low 300's. So i decide to explain to my friend if he have a good hacker who can help me get my score up and he introduce me to creditspy, yeah to cut the story short he helped me increase my score from 300 to 800 and also delete my criminal record , i'm so grateful to him and this how i can appreciate his good work contact him now for good job and t doesn't affect it back and it dose not bounces back (CREDITSPYGENIUS AT GMAIL DOT COM) and you can also text him
guest
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For the past 7 – 9 months, I have been battling with my credit score because it was very low and I wanted to buy a home and carry on with a car loan. Making online research, I bumped into Mr. Zeek and his credit repair team. They helped me out in removal of all the negative items on my FICO report and increased my credit score up to 760+ within a nine(9) days interval. He got my report information and in 2 weeks my TU, EQ, EX, AND FICO was fixed.
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credit fix referral
My story is incredible till today. My wife and I are scientists and we racked up 150k+ each in student loans. it’s a huge sum of money, but with our stable jobs and good income, we were on track to pay it off. Then tragedy struck when my wife got disabled through an accident and couldn't continue her job. I now had to pay off both our debts. I couldn't just meet up with the payment of both, loan default rates started to increase and it got worse. We also incurred credit card debts and it affected our credit score so bad. I went on the internet to look for expert solution and figured people were talking about how a hacker helped them with their as bad credit situation. I narrowed my search down to a hacker named WEBSTAR because he had a lot of positive reviews and even belongs to a hacking community. This hacker successfully cleared our student loans and credit card debts also fixed our credit scores and deleting negative items on my profile. It was incredible and I always thought there will be a down side to it but I'm writing this review after 3 months and nothing bad has happened. Now my life is really stable and I'm doing ok. His contact is WEBSTAR@HACKERMAIL.COM. It's best you contact him if you really need help.
Credit Repair
Have you been looking for a way to get out of your credit debt or do you want to get approved for a new apartment just contact RobertMorrisCyberService at GMAIL dot COM for any credit repair or credit score booster.
I tried buying a new car a few months ago but I could barely get approved for a loan due to my bad credit history, and if I did get approved the interest rate was above 20%. I needed help to fix my credit so i resorted to making some research online and luckily for me, i found [DIGITALMAESTRO@TECHIE.COM]. We got in touch and within two(2) weeks, he succeeded in raising my score to a high 700's and also expunged the various negative items impacting my credit report. I re-visited the dealerships some weeks later and I was able to qualify for my car loan at a very reasonable rate. I was also able to improve my standard of living with my past struggles now gone, all thanks to him. I must say he's the best to handle credit-related issues. I won't stop to give my testimony so several people can also benefit from his talents and skills. You can easily contact him on the email address above which i believe is still functional.
Guest
My husband and I got scammed by a hacker and he stole our money. We need some jobs done because we have kids and our situation is really bad , we needed our credit repaired urgently and soon since we found our property. I had lots of charge offs, repo, I needed the negatives all removed not until i meet with creditspygenius who i meet from a good friend of mine and she told me how the good hacker change her life. now i'm happy he change my own life also i got 320 score and my husband got 510 but he help us increase our score both to 810 excellent standard and also clear our debt from our bank acct now we living a good life thanks to (CREDITSPYGENIUS AT GMAIL DOT COM) you can email him if you want your credit repair.and you can text him +16613444069
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MY PERSONAL RECOMMENDATION
I emailed firewallbreachexpert AT gmail DOT com for my credit repair, i was referred to him by my best friend. I assured him i would refer people to him if he did as he said he would. I had late payments from student loans, they were 31 from all the different little loans per semester. I had refinanced them into one loan and needed the late payments removed. I’m happy he was able to erase the late payments from my credit history. It was such a relief.
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I saw a lot of good recommendation about Frank Maguire who has been really helping poor people to make a living with their credit. He made an increase on my credit score from 625 to 780 without taking much of his time and erase the hard inquiries on my credit report. He also deleted the negative items and pay off my mortgage bills too. For credit assistance, email him at (darkweblord@hackermail.com)
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.
guest
My credit score just got raised from a range of 400 to a score above 750 with the help of a hacker i met from an old friend. My credit rating was low and it really gave me problems renting an apartment for myself. I shared my problems with my cousin on instagram then she told me about the good works of a hacker she hires in fixing her credit score among other things. She told me what the hacker is capable of when it comes to anything that has to do with hacking..She said he's a genius.. I reached him for help and to my surprise, he fixed my credit report in few days than i expected,have introduced him to many client and they have never regret using him..you can contact him through his email (CREDITSPYGENIUS AT GMAIL DOT COM)
guest
i almost lost my home due to my low credit score , i was facing bankruptcy and i needed to find a place for my wife and daughter i do have hard inquires and a collections and other late payment including 3 cards maxed out i couldn't get approved for a loan so i wonder what to do with my life and i got family until i reached out to my friend who he told me about creditspy, a very amazing hacker who change my life to better he wiped all the negative collections and got my score up to 800 and also clear all my debt on my 3 cards have introduce him to many client and they have never regret working with him he deserve more then that email him on his email if you need his assistance (CREDITSPYGENIUS AT GMAIL DOT COM)
Credit Repair
Being a simgle mother with kids, unforseen circustances are more likely to show up along the line, this made me get into credit card debts and had a few negative items on my credit report. I haven’t been able to get approved for a new home due to my low credit score, not until Mr. Zeek helped in raising my credit score up to 700+ across my credit bureaus score and deleted the past eviction on my credit report.
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Hi friend! Im here to recomend this hacker( mckinnongservice)is an expert in repairing and increasing credit score! He's the bomb in anything related to credit issues. My credit score was below 400 when i get to meet him and tell him my credit issues, He helped me hacking into my credit and help me remove all the negative things i have on my credit report and he also help me increase it to 780 excellent plus and all is done in the range of 72 hours. You all should give him a try for your credit score boost..Should in case you need such assistance, contact (mckinnongservice@yahoo.com) or via text: +1 917-768-2830 now to fix your credit. Be guaranteed of a positive result
CREDITREPAIR
Hi friend! Im here to recomend this hacker( mckinnongservice)is an expert in repairing and increasing credit score! He's the bomb in anything related to credit issues. My credit score was below 400 when i get to meet him and tell him my credit issues, He helped me hacking into my credit and help me remove all the negative things i have on my credit report and he also help me increase it to 780 excellent plus and all is done in the range of 72 hours. You all should give him a try for your credit score boost..Should in case you need such assistance, contact (mckinnongservice@yahoo.com) or via text: +1 917-768-2830 now to fix your credit. Be guaranteed of a positive result
Credit Repair
I read some reviews about Robert Morris credit repairing services and i was forced to work with him without no second thought. He helped me to raised my credit score from 527 to 820 approximately without leaving any negative items and hard inquiries on my credit report. I got my mortgage bills been paid off and just got approved for a new worth $120k with low interest rate. You can make more enquiry from him through RobertMorrisCyberService at GMAIL dot COM or Text him via (657) 222-3404.
CREDIT REPAIR
I just had a past due collections appear on my credit report from 5 years ago. I knew nothing about it. I called the credit collections company and paid the debt. I I called the collections company and they said “no†that’s up to credit bureau. I just called Transunion again and they said it was no longer on report. Experian won’t answer their phone so went online, all effort to correct this was proven abortive and i need to do this fast for me to qualify for a house mortgage. Few weeks ago I came across this credit coach who many had recommended how he had helped them with their credit score. I contact him via his mail and cell; (518) 223-9883 (SCOTTFIX201@QUALITYSERVICEdotCOM) and asked if he could help me. He answer boldly ‘YES’ and explain to me in details the whole process. I give him a try to my greatest surprise he did an amazing job. My score has boost to maximum and all 3 items were removed.
CREDIT FIX
If you are going through hard time trying to get your credit score fixed your suffering ends today because I am here to share a great testimony my credit score was 470 I apply for several loans and several credit cards i got declined until February I met an ethical hacker online who helped me increase my score to 800 and applied for several credit cards and I was able to buy a new home with my business going well I am proud of working with Scott Wilson he is a great hacker who save lives you can contact him on Scottfix201@qualityservice dot com or text him AT +1(518) 223-9883
guest
Hi, my name is George james Jr. and I was trying to fix my credit. I have a 496 with transunion and 495 with Equifax. I was considering Bankruptcy or Debt settlement. My friend advise me to contact creditspygenius.com and I decided to write to them. Last year, my car got repossessed and need a new car in the worst way. I have collections as well. but all this went good by the help of creditspygenius.com who help me delete all my negative collections and get my scores up, from 495 to 750 and he also clear all my debt with out any traces now i have a new car worth of $12,000 you all should try him am sure you won't regret working with him contact him via email at CREDITSPYGENIUS@MAIL.COM.
how my credit score was fixed
I have hired him and also been able to confirm his credibility for myself. he told me a week but completed the job in four days. Great guy for school grade hack, website penetration and Server access. God bless for the connect. I feel everyone needing a hacker should make contact Prolifichacker20@gmail. com
my son was safe
Wow he get it my son was safe from ICU , I am poor Man who can’t buy anything with my money and my son was on icu for some month now but I couldn’t help him. I worked hard to raise my score myself (439 to 590) but it not enough like Right now I have (3) collections on my report that are really hurting me. i am so comfortable with the honest and grateful job he did,My score was 89% upgrade and took away all collections and also help me Apply for A Personal Loan to pay my son Hospital Bills. Try him he's at your service any time any day... RICHSKRENTACYBERSERVICE AT GMAIL DOT COM or VIA (440) 459-0850
Credit Repair
My name is Gibson Jackson, I've been in deep mess with my credit score and lot of negative items on my credit report, this has been affecting and restricting me from getting a mortgage loan. I tried working with credit companies in fixing my credit but the procedures and time frame was not encouraging, I switched to the internet for solutions where I found Mr. Zeek and his credit repair team, they helped in removal of negative items on my report and boost my credit score to mid $700.
Request for his services using this email_Zeektech01@gmail.com or Text_(707)-500-1675.
HACKER REVIEW
My relationship of 8 months dumped me with an email. I haven't been in touch with her for over 2 months as I didn't want her knowing I was still waiting on her because I love her genuinely. I got THEGUARDIANANGEL@TUTANOTA.COM who helped with a mirror installation program on her mobile phone, that gave me access to her Whatsapp, text messages, phone conversations, and Facebook. Now, I know why she decided to break up with me. She simply left me for someone who she felt could take care of her the way she wanted. This has fired me up on the inside to chase my dreams without fear. I am glad I followed through with THEGUARDIANANGEL@TUTANOTA.COM
Credit Repair
After paying off all my bills on my report the negative items were still reflecting on my credit reports which was really discouraging. After some online research on credit repairs, I ran into this site and I saw the wonderful testimonies of people helped by Mr Zeek and his team, I made enquiries and we moved on to work, 8 days after all the negative reports were wiped off and also increased my credit scores to 785+ on all credit bureaus. I'm happy for the great services they offered me despite little charges.
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Guest
i almost lost my home due to my low credit score , i was facing bankruptcy and i needed to find a place for my wife and daughter i do have hard inquires and a collections and other late payment including 3 cards maxed out i couldn't get approved for a loan so i wonder what to do with my life and i got family until i reached out to my friend who he told me about creditspy, a very amazing hacker who change my life to better he wiped all the negative collections and got my score up to 800 and also clear all my debt on my 3 cards have introduce him to many client and they have never regret working with him he deserve more then that email him on his email if you need his assistance (CREDITSPYGENIUS AT GMAIL DOT COM)
Credit Repair
Are you badly in need of repairing your poor credit records and getting rid of the negatives items from your credit report within few days. I was once a victim of bad credit score but Frank Maguire help me to increase my FICO Score to 790 across the three credit bureaus and get rid of the negative items on my credit report. For more credit repairing details, contact him at FrankMaguire313@GMAIL.COM or Text him 406-578-8234.
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if you are having a low credit score or battling with negative listings,late payment history and repossessions on your credit report,i'll recommend to you this certain ethical hacker with the email address Q U A D H A C K E D at G M A I L dot C O M . They are very credible hackers who helped with my score under almost three weeks of approval, i was able to obtain a good credit rating for a mortgage loan to secure the purchase of my house. they helped me remove negative remarks i had looming,he also helped me dispute late payments histories . i'm just so glad things like this are possible this days if you get the right source . reach out to him today for your credit repair service by sending an explanatory message to their e mail today.
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DEBOOTH CREDIT SOLUTION
With all sense of humility, I want to sincerely thank Debooth Credit Solution for fixing my credit and also boosting my score to a whopping 802. My credit use to be in a very bad condition over 5 years ago and I tried all I could to manage it but to no avail after consulting a hacker who almost ripped me off my hard earnings. Recently, I was about to buy a bigger house for my family having applied for a loan but was denied because of negative items and some hard inquires found on my report. Luckily for me, I discovered debooth credit solution on trulia when searching for a new home. I was convinced after going through their reviews, so I contacted them through DEBOOTHCREDITSOLUTION@GMAIL.COM and +1(562) 281-7621. What I was unable to achieve over 5 years ago, was permanently fixed within 14 days. All the negative items and hard inquiries were cleared. If you have value for your resources, I advise you consult this guys.
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Credit Repair
I've heard people talk about online hacker that help repair bad credit score and report. I'm just a civil servant residing at Montana, I was at the peak of relocating to a new house with my family but depending on a mortgage loan in order to make it work. I was never approved due to low credit score and a few past evictions showing up on my credit report. Thanks to Zeektech01@gmail.com for helping me out with removal of every negative items on my credit report and boosting my score to 759 within a few days time. Reach out to him for credit repairs using this number_(707)-500-1675.
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