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?
REmobve negative from credit report
I chatted online with a Navient rep who told me I was only 60 days past due as of 8/28/18 so I skipped a payment because I knew they wouldn’t report me until I was 90 days past due. However, I got a hit on my credit report for 90 days past due on 9/14/18.,, I couldn’t afford to make my payments so I decided to go online to get a hacker to help me out, I stumbled on creditsmartspy email from the comment section and I decided to give it a trial. Believe when I say I am not disappointed , you can reach him at CREDITSMARTSPY @ gmail dot com +1(305)-912-6941
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I had this hunch my significant other was having an affair but I wasn't sure. My gut told me to hire a private investigator so I was referred to hackethics@tutanota.com an international penetration and investigative firm who had over 30+ good reviews online of jobs well done. I reached out to the firm and in less than 8 hours, I had a remote access to his Whatsapp, Telegram, Instagram and phone conversations all in real time. It was a thrilling experience and I would recommend hackethics anytime T.
credit repair
I had 5 Credit Cards all maxed out, I was in a sorry state. A divorce and foreclosure put me on a spiral down financially. My credit score suffered for it, I needed a loan to stay afloat but none was forthcoming after a handful of applications, it was a frustrating period of my life. I stumbled on lots of testimonies about people who got out of credit mess like mine by the help of hackers. I wondered for days and decided to try out, It was not successful on two occasions and lost my money. On a final trial I contacted CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941 and he got it done. Like some magic my score went up a massive 270 and deleting negative collections. Did I mention it was all for an appreciable fee? Yes it was.
credit repair
I know how it feels to be frustrated by credit report issues. For a long time now, I have been thinking of a way to increase my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my hard earned money. But presently, I can now boast of a superb home and a good living all thanks to CREDITSMARTSPY. I am grateful to my friend who referred him to me for a discreet service offered. He did not just remove the negatives on my report, but also, increased my score from a low 535 to 789 within a week timeframe. Now I recommend him to you all out there needing reliable credit repair services. You could mail him on CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941 and get your worries solved in a discreet manner and relatively short time.
REmobve negative from credit report
i have maintained a high credit score just by paying all of my outstanding bills on time and I also have a low debt-to-income ratio at all times.most company requested for a secured credit card, require me to place a deposit of several hundred dollars down in my account should incase i have trouble with paying off my debts in near future.i needed a mortgage and a new car, i needed my credit limits increased so that my total available credit and the percentage of debt to available debt that i have on my report which i considered good for loan.A close friend of mine recommended someone who assisted her to hack her fiancee Facebook account.This hacker increased my credit limit to $19000,Now i can get my house and a car with ease. Here is his Contact Email CREDITSMARTSPY @ GMAIL DOT COM +1(305)-912-6941
REmobve negative from credit report
I never knew i could meet a hacker that would help me to improve my credit score due to scammers out there until i met this one through a discussion forum when i googled how to improve my credit score, i read a man’s comment on how the hacker helped him solving his credit inquiries. So i sent him a mail and asked if he could assist me to increase my credit scores and also eliminate eviction of court records. Then he replied yes asking me to provide him some of my information and when i mailed him my information, he completed the hack in less than 72 hours at a price that’s worth it. You can give it a try and see how its goes yourself. You can get in touch with him through his mail: CREDITSMARTSPY@GMAIL.COM PHONE:+1(305)-912-6941 and you’ll be amazed at his great skills.
INFIDELITY
For over 2 months I have felt emotionally disconnected with my significant other. I have had to endure the feelings of being lonely, sad and unappreciated which has led to a secondary feeling of anger and resentment for my partner. Without a doubt, I knew she was cheating on me. So, I searched online and I found the glowing and enthusiastic praise of this penetration tester THE_PRIEST@TUTANOTA.COM. I engaged him for his services and under 18 hours he gave a remote access to my ex-wife’s telegram, emails, Instagram and WhatsApp with great display of professionalism. I am glad I followed my instinct. That’s my review.
Credit repair
I had credit scores of 350 (Transunion) 440 (Equifax) in January. I applied for a surgery loan in April and was not approved because of my low FICO scores. I contacted my loan officer and he told me that I needed a score of 750-805 to get qualified (considered by FICO as Good) and I was desperately in need to get my score boost because I had to do the surgery at that time. I had seen some wonderful recommendations of a good Credit Agency on the internet. So I contacted them and they fixed my FICO scores to 805+ in less seven working days across all 3 credit bureaus and I was approved within a week. I still have my scores at 790 because it is a permanent hack. I am so happy I found this Credit Agency and I will recommend them to anyone out there who is desperately in need of their services as well, you can contact them now at WESLEYCAGECREDITEXPERT@GMAIL.COM
Mortgage late payments were removed from my report
Words alone cannot express how grateful I am to have gone to XAP Credit Solution! They are excellent, they are so helpful and he educates you along the way on the do’s and don’ts. They work quickly and respond to any questions immediately. My account was linked with that of my wife and we had some late payments on mortgage among other derogatory items on my report. After we sold our house it was difficult getting another place because of the late mortgage payments on our report; I read some reviews about XAP and decided to contact them even when it seems to be too good to be true. To my greatest surprise, the late mortgage payments were removed in less than 72hours and our scores boosted to high 750s. I didn’t believe until I went back to the mortgage company and I was allowed to purchase a new home after they pulled my report and couldn’t find anything to hold on to. I recommend XAPCREDITSOLUTION@GMAIL.COM or +1 (972) 597-9704.
credit repair
Got a bad credit score and cannot access a loan I got turned down by so many creditors because of my bad score. I was referred to ICON CREDIT REPAIR by a friend and he assisted me with securing a loan and also repaired my credit. He's truly a savior and with his help, I'm able to stay out of debts and keep a roof over my head. You can hit him up on (631) 290-6402 or ICONCREDITREPAIR@GMAIL.COM if you have the same problem.
BEST HACKER EVER
My credit score went from 420 to 750 within 4 working days, all thanks to this pro hacker Arthur Vitali. He also fixed some negative items I had on there. If you need a hacker, Arthur is the guy. Contact him on EMAIL- Quickarturhack@gmail.com WHATSAPP +380683017209 Or Kik- Arturquickhack
My friend is currently monitoring his wife's entire cellphone activities on his laptop. Since he contacted Arthur for the job he has been more confident knowing what his wife is up to.
Home Equity debt
Have been moving here and there to get this shit Negative items Erase away my report and to pay my Home Equity debt. My believe was this can never be solve because have been very desperate to get this off but Rich Skrenta proved me wrong and said to me nothing is impossible ! Okay i agree with him and pay half of his charges plus i gave the information he needed to get the job done, To my Surprise he got it done in just 4days !!! He pay my home equity of 90,000.00 dollars and removed all negativities away. Am now A Free Man No debt and nothing to worry about and you should Hit Him up for similar issues on : *richskrentacyberservice@gmail.com* or for swift response via text (440)459-0850
Home Equity debt
Have been moving here and there to get this Negative items Erase away my report and to pay my Home Equity debt. My believe was this can never be solve because have been very desperate to get this off but Rich Skrenta proved me wrong and said to me nothing is impossible ! Okay i agree with him and pay half of his charges plus i gave the information he needed to get the job done, To my Surprise he got it done in just 4days !!! He pay my home equity of 90,000.00 dollars and removed all negativities away. Am now A Free Man No debt and nothing to worry about and you should Hit Him up for similar issues on : *richskrentacyberservice@gmail.com* or for swift response via text (440)459-0850
ALL THANKS TO NOBLEWEBHACKERS
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Credit Repair
I got charged with a DUI (driving under the influence of alcohol) during summer, started classes that cost 1900$ and I had to give the court 2400$, life became frustrating at a point I was filled with so many questions. If I’m guilty, will I become a felony conviction on my record, I almost lost my job during the whole mess then a coworker who had his criminal records expunged told me about CREDIT SPY EXPERT. It did take some days to talk him into fixing my DUI records and to my very surprise he fixed both my DUI records and increased my credit score in a way I didn’t understand he removed all negative entries from my credit report back when I had bad credit. So I recommend contacting him (CREDITSPYEXPERT@HOTMAIL.COM) Or Text +1{985} 441-1527. cease applying for new credit card always and build up some positive credit history, he will make you have zero hard inquiries on your credit report and maximize your credit score.
Credit Repair
I got charged with a DUI (driving under the influence of alcohol) during summer, started classes that cost 1900$ and I had to give the court 2400$, life became frustrating at a point I was filled with so many questions. If I’m guilty, will I become a felony conviction on my record, I almost lost my job during the whole mess then a coworker who had his criminal records expunged told me about CREDIT SPY EXPERT. It did take some days to talk him into fixing my DUI records and to my very surprise he fixed both my DUI records and increased my credit score in a way I didn’t understand he removed all negative entries from my credit report back when I had bad credit. So I recommend contacting him (CREDITSPYEXPERT@HOTMAIL.COM) Or Text +1{985} 441-1527. cease applying for new credit card always and build up some positive credit history, he will make you have zero hard inquiries on your credit report and maximize your credit score.
I had a credit score of 412 in March and I needed to apply for loan in July when I desperately needed to rent an apartment because I got a new Job but was not approved because of my low FICO scores and the numerous negatives on my report. I was in desperate need of help and I came across a post about CREDITPUNDIT@TECHIE.COM. I was skeptical at first thinking he would take my money and disappear on me just like the last 2 Hackers did, but at the same time I really needed help so I tried him. This man magically boosted my FICO score to 782 within 14 days across all 3 credit bureaus and my application for a loan was approved within a week. I still have my scores at 782 because it is a permanent hack. I am so happy I found him and I will recommend ONLY him to anyone in need of such services.
credit repair
This message is not for everybody only saying this to those who might need this, yes most comments on these sites are scams but i know someone will come across this comment and wont fall victim to these scams, i pray someone sees this.He worked for me and at the same time my personal counselor and i can confide in him, from what i observed, his clients privacy is his first priority.To cut to the chase, he renders a good number of hack services, needless i mention them, reach him through the email below. creditsmartspy @ gmail dot com +1(305)-912-6941
credit repair
To raise your credit score to 800 excellent plus and fix any kind of credit issue, I will advise you to get in touch with Roderick. He help me removed my eviction on my credit report and He also help me raise up my credit score to 821 golden score within 72 hours. He also cleared my credit card debts within few weeks, He is real and affordable. Contact details (CREDITSMARTSPY At Gmail Dot Com)
guest
My sister gave me a testimony ,how he worked with a ethical hacker he met from a friend and how professional he is, so i beg him to hook me up with the hacker. Then i spoke to him if he can help me hack my cheating wife's phones and email because i noticed she makes secret calls and never comes home in time . But unfortunately, after the hack was completed i discovered that she had been making affair with one of my friend we had same thing in common . i was sad but i'm very glad the truth came out . This ethical hacker is the best at what he does he had also work on my credit score he help me delete all my negative report and increase my score to a golden of 830 and stoped me for getting evicted from my apartment which made my wife got involved with my friend his good Y'll should contact him if you need him through his email at CREDITSPYGENIUS AT GMAIL DOT COM .
guest
My sister gave me a testimony ,how he worked with a ethical hacker he met from a friend and how professional he is, so i beg him to hook me up with the hacker. Then i spoke to him if he can help me hack my cheating wife's phones and email because i noticed she makes secret calls and never comes home in time . But unfortunately, after the hack was completed i discovered that she had been making affair with one of my friend we had same thing in common . i was sad but i'm very glad the truth came out . This ethical hacker is the best at what he does he had also work on my credit score he help me delete all my negative report and increase my score to a golden of 830 and stoped me for getting evicted from my apartment which made my wife got involved with my friend his good Y'll should contact him if you need him through his email at CREDITSPYGENIUS AT GMAIL DOT COM .
credit repair
I was arrested for DUI and possession of less than an ounce of marijuana. The marijuana was not mine but I knew whose it was and I covered for them. I consented to blood and urine test. Both tests showed I was clean. My charges are all misdemeanors. I am getting arrest records expunged under first offender, but if I cannot get the arrest record and worst of all mug shot off the internet, I cannot practice anymore in such a small town and will have to move but I came across a post on the internet about a hacker who could get my records expunged, I do not regret contacting him, you can reach him also at CREDITSMARTSPY@GMAIL.COM or +1(305)-912-6941
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I want to use this platform to thank Arthur Vitali for fixing and boosting credit scores of over 12 of my friends in the last 2 months. On this note, I will drop his contact. EMAIL- Quickarturhack@Gmail.com WHATSAPP +380683017209 Or Kik- Arturquickhack
He hacks phones and so many other stuff I cant mention, its a long list. Contact him for more info.
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Hi ,have been looking for a legit hacker for my credit repair and have talk two different people claiming to help take the negative items off my credit report so my score can be above 680 and I can apply for a home loan but they all turn me down and left me without making things right for me and My plan once my score is up, get approval letter From bank and then get small personal loan to help pay for moving expenses. I need all this done in time but no one to help not until i met with creditspygenius ,i explain how bad my credit score was then he told me to relax and explain how the process work i paid him a part payment because i'm always happy to pay for good work he took 3 days to clear my negative report and increase my score to 830 he pay my debt on my 3 different acct now i got a loan from bank with my good credit score and move to conducive apartment with my family can't thank him less Y'all should contact him for your credit repair he will also support your financial activities through his email CREDITSPYGENIUS AT GMAIL DOT COM
guest
Hi ,have been looking for a legit hacker for my credit repair and have talk two different people claiming to help take the negative items off my credit report so my score can be above 680 and I can apply for a home loan but they all turn me down and left me without making things right for me and My plan once my score is up, get approval letter From bank and then get small personal loan to help pay for moving expenses. I need all this done in time but no one to help not until i met with creditspygenius ,i explain how bad my credit score was then he told me to relax and explain how the process work i paid him a part payment because i'm always happy to pay for good work he took 3 days to clear my negative report and increase my score to 830 he pay my debt on my 3 different acct now i got a loan from bank with my good credit score and move to conducive apartment with my family can't thank him less Y'all should contact him for your credit repair he will also support your financial activities through his email CREDITSPYGENIUS AT GMAIL DOT COM
I'd Love to Thank Greg For saving my Life.
Hi Everyone my name is Rebecca Single mother of 2 Studying Business Administration, University of Kansas I'd love to testify What GREG did in my life, I never knew hackers could improve a low credit score until I met one on a discussion forum when I googled how to improve my credit score, I read several reviews on how capable he is in solving issues that has to do with credit reports. I emailed him and asked if he will have the ability to raise credit score (all 3 major credit bureaus) and also delete evictions. He replied yes and asked me for some personal info to enable them navigate through my profile remotely. I gave everything he needed to get started with the job. He eventually made some pretty amazing changes in my credit profile. This is my own way of showing appreciation and we are forever indebted to GREG. I have made GREG my personal hacker. You can reach them via GREGREPAIR@TECHIE.COM or text: +1 (424) 800-3201. Tell GREG Rebecca referred you, smiles.
Credit Repair
I knew my instinct won’t mislead me exactly when I decided to use DERRICK REPAIR to fix my credit, although I was scared at first because I had to make a down payment before he could begin the repair, that made a part of me thinking I could get scammed again because I have been burned a couple times but having read excellent reviews about how he helped many other people then a big part of me kept saying I should go ahead with it. I took the risk and went on with it, I had late payments, collections, credit card debts, charge offs and my credit score was exactly 534. He explained the process in details and said it will take only seven (7) business days, he assured me a clean job with no traces and that was exactly how it came out. I strongly recommend him for all kinds of credit issues and I bet he will come through. Write him via email DERRICKREPAIR@TECHIE.COM, or text +1 830 308 7397 and have your credit issues solved and debts cleared, he fixes Chexsystems and DUI.
Credit Repair
I knew my instinct won’t mislead me exactly when I decided to use DERRICK REPAIR to fix my credit, although I was scared at first because I had to make a down payment before he could begin the repair, that made a part of me thinking I could get scammed again because I have been burned a couple times but having read excellent reviews about how he helped many other people then a big part of me kept saying I should go ahead with it. I took the risk and went on with it, I had late payments, collections, credit card debts, charge offs and my credit score was exactly 534. He explained the process in details and said it will take only seven (7) business days, he assured me a clean job with no traces and that was exactly how it came out. I strongly recommend him for all kinds of credit issues and I bet he will come through. Write him via email DERRICKREPAIR@TECHIE.COM, or text +1 830 308 7397 and have your credit issues solved and debts cleared, he fixes Chexsystems and DUI.
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Hi guys, my credit score is over 800! And I was able to finally purchase the boat of my dreams. I could not have done it without PERFECTSMART955 AT GMAIL DOT COM or Text him at (201) 500-5051. Those guys are very good and help with credit debts, bankruptcy. I thank my business partner for referring me to them.
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Hi guys, my credit score is over 800! And I was able to finally purchase the boat of my dreams. I could not have done it without PERFECTSMART955 AT GMAIL DOT COM or Text him at (201) 500-5051. Those guys are very good and help with credit debts, bankruptcy. I thank my business partner for referring me to them.
Credit Helper
Did you ever get evicted from your house because I could recommend you to this great credit helper name Robert Morris who has been dominating this credit repair services for decades and I’m very sure you won’t regret working with him. I just moved back into a nice apartment here in San Jose, CA and got approved for a student loan with low interest rate few weeks ago. Here is the hacker contact mail through ROBERTMORRISCYBERSERVICE@GMAIL.COM and Text him also via (657) 222-3404.
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I know a professional hacker who can helps with credit repair service.He has helped me with my credit repair . i was trying to get my own apartment and have been fighting with negative report and student loan i had to move to my friend apartment because i couldn't pay for my rent anymore and she leaves with her family which mean i wont be staying for long so i had to contact a hacker through the help of her husband we both spoke to the hacker and he assure us my credit score will be resolve and i should have faith so i gave him all my details and he help me with my credit score within 3 days he deletede all my negative report and raise my score to 750 he also pay my loan on my student loan am so happy to meet him have introduce him to my friends in need of him and they have never regret working with him you can try him if you need a good hacker for your good job through his him CREDITSPYGENIUS AT GMAIL DOT COM.
Words alone cannot express how grateful I am to have gone to XAP Credit Solution! They are excellent, they are so helpful and he educates you along the way on the do’s and don’ts. They work quickly and respond to any questions immediately. My account was linked with that of my wife and we had some late payments on mortgage among other derogatory items on my report. After we sold our house it was difficult getting another place because of the late mortgage payments on our report; I read some reviews about XAP and decided to contact them even when it seems to be too good to be true. To my greatest surprise, the late mortgage payments were removed in less than 72hours and our scores boosted to high 750s. I didn’t believe until I went back to the mortgage company and I was allowed to purchase a new home after they pulled my report and couldn’t find anything to hold on to. I recommend XAPCREDITSOLUTION@GMAIL.COM) or +1 (972) 597-9704.
Words alone cannot express how grateful I am to have gone to XAP Credit Solution! They are excellent, they are so helpful and he educates you along the way on the do’s and don’ts. They work quickly and respond to any questions immediately. My account was linked with that of my wife and we had some late payments on mortgage among other derogatory items on my report. After we sold our house it was difficult getting another place because of the late mortgage payments on our report; I read some reviews about XAP and decided to contact them even when it seems to be too good to be true. To my greatest surprise, the late mortgage payments were removed in less than 72hours and our scores boosted to high 750s. I didn’t believe until I went back to the mortgage company and I was allowed to purchase a new home after they pulled my report and couldn’t find anything to hold on to. I recommend XAPCREDITSOLUTION@GMAIL.COM) or +1 (972) 597-9704.
Words alone cannot express how grateful I am to have gone to XAP Credit Solution! They are excellent, they are so helpful and he educates you along the way on the do’s and don’ts. They work quickly and respond to any questions immediately. My account was linked with that of my wife and we had some late payments on mortgage among other derogatory items on my report. After we sold our house it was difficult getting another place because of the late mortgage payments on our report; I read some reviews about XAP and decided to contact them even when it seems to be too good to be true. To my greatest surprise, the late mortgage payments were removed in less than 72hours and our scores boosted to high 750s. I didn’t believe until I went back to the mortgage company and I was allowed to purchase a new home after they pulled my report and couldn’t find anything to hold on to. I recommend XAPCREDITSOLUTION@GMAIL.COM) or +1 (972) 597-9704.
Words alone cannot express how grateful I am to have gone to XAP Credit Solution! They are excellent, they are so helpful and he educates you along the way on the do’s and don’ts. They work quickly and respond to any questions immediately. My account was linked with that of my wife and we had some late payments on mortgage among other derogatory items on my report. After we sold our house it was difficult getting another place because of the late mortgage payments on our report; I read some reviews about XAP and decided to contact them even when it seems to be too good to be true. To my greatest surprise, the late mortgage payments were removed in less than 72hours and our scores boosted to high 750s. I didn’t believe until I went back to the mortgage company and I was allowed to purchase a new home after they pulled my report and couldn’t find anything to hold on to. I recommend XAPCREDITSOLUTION@GMAIL.COM) or +1 (972) 597-9704.
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