Remove Negative items on credit report

Submitted by Wasco_Kid on Sat, 02/13/2010 - 03:03
Forums
Credit repair

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?

Thomson Aaron (not verified)

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Tue, 09/03/2019 - 13:23 Permalink
Thomson Aaron (not verified)

If you’re going through issues with your credit report and upgrading your credit score, I will recommend you to get in touch with RANSOM WARECREDIT. He help me increase my credit score to 795 excellent and He erase all my negative items on my report within 72 hours, Am very happy right now have gotten a loan to purchase my House. So i can now take care of my family, Contact him for your credit repair {R A N S O M W A R E C R E D I T @ G M A I L . C O M +1 954 416 0322}

Tue, 09/03/2019 - 13:31 Permalink
Thomson Aaron (not verified)

If you’re going through issues with your credit report and upgrading your credit score, I will recommend you to get in touch with RANSOM WARECREDIT. He help me increase my credit score to 795 excellent and He erase all my negative items on my report within 72 hours, Am very happy right now have gotten a loan to purchase my House. So i can now take care of my family, Contact him for your credit repair {R A N S O M W A R E C R E D I T @ G M A I L . C O M +1 954 416 0322}

Tue, 09/03/2019 - 13:35 Permalink
Thomson Aaron (not verified)

If you’re going through issues with your credit report and upgrading your credit score, I will recommend you to get in touch with RANSOM WARECREDIT. He help me increase my credit score to 795 excellent and He erase all my negative items on my report within 72 hours, Am very happy right now have gotten a loan to purchase my House. So i can now take care of my family, Contact him for your credit repair {R A N S O M W A R E C R E D I T @ G M A I L . C O M +1 954 416 0322}

Tue, 09/03/2019 - 13:35 Permalink
Samantha Padilla (not verified)

I am very happy I get in touch with the Disqus recommended Cyber Guru called Aaron Swartz to restore my credit report. In just 72 hours, my report became better in good shape as my score increased to 820 excellent standard and He help me delete evictions from my credit report, He also add positive tradelines for me I'm actually typing from my dream mansion house as I live comfortable right now. He is reliable, swift and ready at your service. Contact AARONSWARTZCYBERSERVICES@GMAIL.COM

Tue, 09/03/2019 - 13:50 Permalink
KAREN LUNDER (not verified)

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Tue, 09/03/2019 - 14:27 Permalink
Eva Chapman (not verified)

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Tue, 09/03/2019 - 14:47 Permalink
CLAIRE TIM (not verified)

I want to express my heartfelt gratitude to NEO GONZALEZ for helping me restore my credit score and my dying business by granting me a mortgage of $100,000 after being turned down by my bank and other financial agencies I visited. I recommend everyone out there in need of financial Assiistance in other not to fall into the wrong hands while searching of a liable HACKER , contact this company via email: NEOGONZALEZHACKS@GMAIL.COM

Tue, 09/03/2019 - 16:07 Permalink
Creditexpert (not verified)

I was looking for a way to improve my FICO credit score and remove negative items, inquiries from my credit report. I heard is good at helping people to raise there credit scores, I emailed him on Creditexpert@consultant.com)He helped me remove all negative items on my report including inquiries within 1 week and He raised my FICO credit score up to 795 excellent plus. He also help me pay off credit card debts within few weeks, You can contact him via his email address above.

Tue, 09/03/2019 - 16:46 Permalink
JEAN DEWNY (not verified)

MY HEART FELT GRATITUDE GOES TO DEBOOTH CREDIT REPAIR FOR HELPING ADVERT THE SHAME, AND EMBARRASSMENT THAT ROCKED ME, AND MY FAMILY OVER THE LAST 1 YEAR AS A RESULT OF POOR CREDIT SCORE THAT WAS BELOW 430, MAKING IT IMPOSSIBLE FOR US TO RENT OR OWN A COMFORTABLE APARTMENT, MOST WORRISOME WAS THE FACT THAT MY ONLY DAUGHTER HAD TO DROP OUT OF SCHOOL DUE TO MY FAILURE TO PAY HER SCHOOL FEES, ALL THE FIRM I SUBMITTED APPLICATION SO I COULD GET A GOOD JOB TURNED DOWN AT ME, AS IT WAS BELIEVED THAT AM NOT CREDIT WORTHY TO BE GAINFULLY EMPLOYED BUT TO GOD BE PRAISE THAT JUST 2 MONTHS AGO, I WAS INTRODUCED TO DEBOOTH REPAIR EXPERT WHO WITHIN 10DAYS UPGRADED MY CREDIT SCORE FROM 430 TO 770 WITH A VERY AFFORDABLE PRICE PAID JUST ONCE. I STRONGLY RECOMMEND THIS PROFESSIONAL HACKER TO ANY PERSON WHO MAY BE PASSING SAME ISSUE AS MY PERSONAL ENCOUNTER WITH THEM SPEAKS VOLUME.
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Tue, 09/03/2019 - 22:00 Permalink
Eva Chapman (not verified)

Having a good credit again is the best thing that has ever happened to me and KINGS REPAIR made it all possible.i tried for almost five months in 2018 to have three bogus collection agency debts removed from my Experian credit report and I was scammed twice before I met KINGS REPAIR who helped me repair my credit and revealed the secret in maintaining an excellent score. In August 2018 I was battling with student loans, medical bills and my credit score dropped so bad from 753 to 500, I was desperate to have this all removed and my score raised that was why I fail into wrong hands but I’m happy I didn’t give up because if I had given up I wouldn’t have met KINGS REPAIR on Credit Sesame where I read marvelous reviews about him on how he helped people fixed there credit. I got connected with him via the email provided (kingrepair2010@gmail.com,and his number to text +1 5076971128) and he helped me out the same way he did for others. He deleted all the negative items and raised my score to 778 now I can apply for anything I want. I’m so grateful and forever indebted to him for the great service and help.My experience with KINGS REPAIR was amazing. I will be sure to refer them to other people . I believe they do a good job and they have experience in what they do, I appreciate the time they take to figure out and review the issue with the client,the people are so nice and great they help with any kind of questions you may want to know.

Tue, 09/03/2019 - 22:40 Permalink
alexyss delaine (not verified)

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Wed, 09/04/2019 - 03:29 Permalink
JEAN DEWNY (not verified)

MY HEART FELT GRATITUDE GOES TO DEBOOTH CREDIT REPAIR FOR HELPING ADVERT THE SHAME, AND EMBARRASSMENT THAT ROCKED ME, AND MY FAMILY OVER THE LAST 1 YEAR AS A RESULT OF POOR CREDIT SCORE THAT WAS BELOW 430, MAKING IT IMPOSSIBLE FOR US TO RENT OR OWN A COMFORTABLE APARTMENT, MOST WORRISOME WAS THE FACT THAT MY ONLY DAUGHTER HAD TO DROP OUT OF SCHOOL DUE TO MY FAILURE TO PAY HER SCHOOL FEES, ALL THE FIRM I SUBMITTED APPLICATION SO I COULD GET A GOOD JOB TURNED DOWN AT ME, AS IT WAS BELIEVED THAT AM NOT CREDIT WORTHY TO BE GAINFULLY EMPLOYED BUT TO GOD BE PRAISE THAT JUST 2 MONTHS AGO, I WAS INTRODUCED TO DEBOOTH REPAIR EXPERT WHO WITHIN 10DAYS UPGRADED MY CREDIT SCORE FROM 430 TO 770 WITH A VERY AFFORDABLE PRICE PAID JUST ONCE. I STRONGLY RECOMMEND THIS PROFESSIONAL HACKER TO ANY PERSON WHO MAY BE PASSING SAME ISSUE AS MY PERSONAL ENCOUNTER WITH THEM SPEAKS VOLUME.
EMAIL:DEBOOTHCREDITSOLUTION@GMAIL.COM CONTACT: +1(562)281-7621

Wed, 09/04/2019 - 04:40 Permalink
Ryan Harris (not verified)

We offer the following services;
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Wed, 09/04/2019 - 07:17 Permalink
PATRICIA DOUGLAS (not verified)

We are building a new home that unfortunately went into receivership, we contacted our lender who advised us to let them know before the interest only on our loan came to an end, we did this 6 weeks before that date and we were advised by the bank that we were given another 2 months on interest only, but now they have taken full payments for interest and principle and said we have to apply for funds to finish our home which has now been taken over by another builder, we had contacted them and thy want us to pay rent of this mortgage, all due to no fault of ours, I was introduced to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 who reverse this in no time for a little fee, he also helped clear our loan debts, we are forever indebted to him.

Wed, 09/04/2019 - 09:01 Permalink
PATRICIA DOUGLAS (not verified)

We are building a new home that unfortunately went into receivership, we contacted our lender who advised us to let them know before the interest only on our loan came to an end, we did this 6 weeks before that date and we were advised by the bank that we were given another 2 months on interest only, but now they have taken full payments for interest and principle and said we have to apply for funds to finish our home which has now been taken over by another builder, we had contacted them and thy want us to pay rent of this mortgage, all due to no fault of ours, I was introduced to CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 who reverse this in no time for a little fee, he also helped clear our loan debts, we are forever indebted to him.

Wed, 09/04/2019 - 10:41 Permalink
jerad hunter (not verified)

Here comes an Affordable and Legit hacker that will change your life for ever he has done a great work on my credit score and my criminal record ,i had some criminal record have been trying to erase from my history and its has really stopped me from getting a job, i went to a different work locations to seek for a job opportunity but i wasn't able to acquire one because of my bad criminal history and i was left alone, none of my family wanted to see me for my bad pass it's when i was reading a comment from different people trying to appreciate the good work a hacker did on their credit report i checked the both comment well then i fund out they were both talking about the same hacker so i decided to contact the hacker i told him if he could help me erase my criminal record and driving tickets and i will like to raise my credit score as well after we had a long talk about it he gave me a certain amount im to pay which was very affordable ..to cut the story short he increase my credit score to 750 and erase my criminal record to a normal person he did all that just in 4 days we met am so grateful to him Y'all should contact him for all kind of kind of hacker through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Wed, 09/04/2019 - 11:05 Permalink
jerad hunter (not verified)

Here comes an Affordable and Legit hacker that will change your life for ever he has done a great work on my credit score and my criminal record ,i had some criminal record have been trying to erase from my history and its has really stopped me from getting a job, i went to a different work locations to seek for a job opportunity but i wasn't able to acquire one because of my bad criminal history and i was left alone, none of my family wanted to see me for my bad pass it's when i was reading a comment from different people trying to appreciate the good work a hacker did on their credit report i checked the both comment well then i fund out they were both talking about the same hacker so i decided to contact the hacker i told him if he could help me erase my criminal record and driving tickets and i will like to raise my credit score as well after we had a long talk about it he gave me a certain amount im to pay which was very affordable ..to cut the story short he increase my credit score to 750 and erase my criminal record to a normal person he did all that just in 4 days we met am so grateful to him Y'all should contact him for all kind of kind of hacker through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Wed, 09/04/2019 - 11:52 Permalink
Billy Grants (not verified)

Hello everyone, I cannot stop thanking Wesley enough for his great work on my credit. He is an expertise when it comes to boosting of credit. I have been looking for a way to increase my credit score until I met WESLEY. He helped me boost my credit score to an amazing 821 with a credit limit worth over $60k and also wiped away all negatives and hard inquiries. you can get in touch with him on WESLEYCAGECREDITEXPERT@GMAIL.COM

Wed, 09/04/2019 - 12:08 Permalink
jerad hunter (not verified)

Here comes an Affordable and Legit hacker that will change your life for ever he has done a great work on my credit score and my criminal record ,i had some criminal record have been trying to erase from my history and its has really stopped me from getting a job, i went to a different work locations to seek for a job opportunity but i wasn't able to acquire one because of my bad criminal history and i was left alone, none of my family wanted to see me for my bad pass it's when i was reading a comment from different people trying to appreciate the good work a hacker did on their credit report i checked the both comment well then i fund out they were both talking about the same hacker so i decided to contact the hacker i told him if he could help me erase my criminal record and driving tickets and i will like to raise my credit score as well after we had a long talk about it he gave me a certain amount im to pay which was very affordable ..to cut the story short he increase my credit score to 750 and erase my criminal record to a normal person he did all that just in 4 days we met am so grateful to him Y'all should contact him for all kind of kind of hacker through his email at CREDITSPYGENIUS AT GMAIL DOT COM.

Wed, 09/04/2019 - 12:44 Permalink
Sebastian Norlock (not verified)

Hi Everyone my name is Sebastian, I know a lot of you out there must have been scammed, I was a victim of online imposters several times maybe two or three the past few years just because i was desperate to have my credit repaired . What I'm about to tell you is the "TRUTH" I had a low credit profile as a result of a couple of negative collections, Low credit score of 521, two Credit card debts, Mortgage loan and medical bill from 2017 which needed to fix so I can get approval for loan to start my dream business. I got connected with various hackers to boost my Credit profile but they failed after paying the service fee. One beautiful evening I ran into an old colleagues’ after getting stuffs for dinner other necessary items, Billy! I was shocked when i saw him he told me he just moved into the area and I told him my current situation how have been struggling with my Credits, So he introduced to me GREG REPAIR and gave me his email, GREGREPAIR@TECHIE.COM and phone number +1 424 800 3201 to contact him for help and I did as he advised. I emailed GREG the following day and told him Billy refereed me then he replied immediately and asked me few questions about my credit which I answered with all sincerity then we explained the process and said it will only take five (5) Business days then we started that evening, in less than 72 hours i was already seeing changes on my experial application. Then I knew this is real

Wed, 09/04/2019 - 12:50 Permalink
Sarahhppk (not verified)

For years I was really in an embarassing financial dilemma due to my poor credit score which led me to meeting some imposters online who claimed to help me but worsened my problems. My will eventually paid off when i met this genius credit specialst[creditexpert@consultant.com] through a reference online. His workrate, professionalism and discretion is top-notch. He increased my scores to a region above 720 and also removed the negative items on my credit report In less than 7Days which finally got me the mortgage for my new house and also several loans. I am so happy to come in contact with him and i will recommend ONLY him to anyone in need of such services. You can contact him at the email address above.

Wed, 09/04/2019 - 13:50 Permalink
jfr33221@gmail.com (not verified)

Due to my bad credit score I was so frustrated at my financial situation, which led me to meeting some so called hackers online, who claimed to help me but worsened it all? I needed to raise my score. It eventually paid off when I met a hacker through a reference online. Their work rate and professionalism are top-notch. They increased my scores and removed the negative items on my report within (4 working days) which finally got me the mortgage for my new house and also several loans. You all can contact them via {RANSOMWARECREDIT@GMAIL.COM}

Wed, 09/04/2019 - 13:59 Permalink
Jennifer Paul (not verified)

Due to my bad credit score I was so frustrated at my financial situation, which led me to meeting some so called hackers online, who claimed to help me but worsened it all? I needed to raise my score. It eventually paid off when I met a hacker through a reference online. Their work rate and professionalism are top-notch. They increased my scores and removed the negative items on my report within (4 working days) which finally got me the mortgage for my new house and also several loans. You all can contact them via {RANSOMWARECREDIT@GMAIL.COM }

Wed, 09/04/2019 - 14:00 Permalink
Cris Carney-Dember (not verified)

I guess we all need hackers to protect our self because of so many case of cheating and all. Go to the internet you will see a lot of stories where men and women cheat on there spouse despite they have all and what it takes to be in the marriage. well i just took a divorce after i read the deleted text messages i found from my husband galaxy s10+ from the past 6 month till date it was not encouraging at all... I felt and thought my husband was clean and not among the cheating club i never knew my husband is the devil himself and a pretender. thanks to you darkhatthacker@gmail.com for providing me with my spouse deleted text messages. am just thanking God i followed and listened to my sister when she told me about this hacker i thought it was all a joke.

Wed, 09/04/2019 - 14:06 Permalink
Charles Ray (not verified)

Hello guys my name is Charles Ray, i was really in an embarrassing financial dilemma due to my poor credit score which led me to meeting some impostors online who claimed to help me but rather worsened my problem. My search eventually paid off when I met Jamie through a reference online (May God bless him). His work experience, professionalism, and discretion is top-notch. He increased my score from a low 430 to 785 and cleaned up all the negative items on my report, replacing them with mortgage trade line, auto trade line, installment trade line and revolving credit cards in just 7 days. These finally got me the mortgage for my new house and several loans thereafter. I am so happy right now all thanks to him. I just had to share this. You can contact him via email; DPROTOCOL7@GMAIL.COM . Be guaranteed that your credit issues will be sorted out and good luck. +1 954 417 4613

Wed, 09/04/2019 - 16:04 Permalink
Charles Ray (not verified)

Hello guys my name is Charles Ray, i was really in an embarrassing financial dilemma due to my poor credit score which led me to meeting some impostors online who claimed to help me but rather worsened my problem. My search eventually paid off when I met Jamie through a reference online (May God bless him). His work experience, professionalism, and discretion is top-notch. He increased my score from a low 430 to 785 and cleaned up all the negative items on my report, replacing them with mortgage trade line, auto trade line, installment trade line and revolving credit cards in just 7 days. These finally got me the mortgage for my new house and several loans thereafter. I am so happy right now all thanks to him. I just had to share this. You can contact him via email; DPROTOCOL7@GMAIL.COM . Be guaranteed that your credit issues will be sorted out and good luck. +1 954 417 4613

Wed, 09/04/2019 - 16:08 Permalink
Arlene Martin (not verified)

My husband and I were trying to qualify for a mortgage loan and two of the bureaus are not providing a score, I have purchased things with credit off and on for the past 5 years so I suspect that somehow they have mixed up with someone else. I keep asking myself most time, what kinds of documents license and social security card would i send to expedite this process which make me worried most time. I also though of recommending by sending it as a request for a free report before i came across creditsmartspy @ gmail dot com service through a friend i met from a Quora forum. My Credit score finally boost up to 790+ across the bureaus within 5 business days after receiving notification from the company that i have qualify for the mortgage loan and all my debt has been cleared. Guys i’m glad to review this service from creditsmartspy @ gmail dot com and anyone who need his assistance should contact him right here.

Wed, 09/04/2019 - 19:49 Permalink
spanishwomenxul (not verified)

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Wed, 09/04/2019 - 20:38 Permalink
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Thu, 09/05/2019 - 01:49 Permalink
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Thu, 09/05/2019 - 01:53 Permalink
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Thu, 09/05/2019 - 01:54 Permalink
Britney Lauren (not verified)

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Thu, 09/05/2019 - 05:07 Permalink