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?

DeanWalsh (not verified)

A problem shared is a problem half solved, thanks to my colleague at work who linked me with a credit fixer after so much nagging by me about my bad credit. My score was 539 and I was not legible to get loans, credit cards. Thanks to nerdoracle247 (AT) gmail (DOT) com who helped fixed my credit and raise my score to 792, I got a car loan of recent too. You can text him at 7818169462

Thu, 09/05/2019 - 07:51 Permalink
Ximena Aiden (not verified)

My name is Ximena. single parent of 3. I have always wanted to buy a house and give my family the best. My credit report was totally bad my score was 395 with outstanding bills. I contacted an old friend Laura she used to work for me I made mention of my bad credit report, so she gave me the contact of a Hacker that would get my credit fixed. I contact the hacker based on my credit they asked me a few questions and collected some information from me and told me they would get my credit fixed within {6 working days}. It’s so amazing they delivered my work and raised my score to 799 and deleted the bad items on my report. Here is their contact {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}

Thu, 09/05/2019 - 09:26 Permalink
daverock (not verified)

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 helped me remove the evictions on my credit report and raised my credit to 821 golden score within 72 hours. He also cleared my credit card and loan debts within few weeks, He is real and affordable. Contact details (CREDITSMARTSPY At Gmail Dot Com +1(305)-912-6941)

Thu, 09/05/2019 - 09:51 Permalink
lucy black (not verified)

Few weeks ago, i observed that my insurance premiums increased and my interest rate has hinder me from getting some

benefits and securing a job of my choice...i was browsing and checking my facebook,when i came cross a review online

about a woman on a blog thanking and recommending a hacker for job well done. she said the man assisted her in

securing a job after her credit score was changed from poor to excellent .i had no choice than to risk it because i

needed a job to cater for my family. like a dream come to reality, my credit had been increased from 440 to 750

within 3 days. I had to recommend him for job perfectly done, hit him up for a complete change over.

jackcraigcreditrepairer@gmail.com, or reach him via mobile number +14135294026.

Thu, 09/05/2019 - 11:55 Permalink
chole williams (not verified)

Get a professional hackers to tend to your needs , i was in need of a hacker last month for my credit repair because i had some debt and i got some negative collections which i need to get it remove so i can get a new house for my family which i contact creditspygenius and he help me clear all my negative collections and increase my credit score from 400 to 800, he also pay my debt from my 3 bank account his the best ..you should try him and get your credit repair through his email...at CREDITSPYGENIUS@GMAIL.COM.

Thu, 09/05/2019 - 12:33 Permalink
chole williams (not verified)

Get a professional hackers to tend to your needs , i was in need of a hacker last month for my credit repair because i had some debt and i got some negative collections which i need to get it remove so i can get a new house for my family which i contact creditspygenius and he help me clear all my negative collections and increase my credit score from 400 to 800, he also pay my debt from my 3 bank account his the best ..you should try him and get your credit repair through his email...at CREDITSPYGENIUS@GMAIL.COM.

Thu, 09/05/2019 - 12:33 Permalink
chole williams (not verified)

I saw someone leave an info under comment section on helping to delete negative report and collections so i got  interested in knowing more and if the hacker still does this. I had bad credit, negative collections  and  a old bankruptcy & problems with getting approved for a apartment due to 2 broken leases from the past which i was unable to address the issue so i decide to contact the hacker, i explained how bad my credit score was and he gave me some instructions to follow which i did to my supprice he did a great job for me he increase my credit score from 410 to 750 and also clear all my debt from my bank with out any trace you all should contact him if you want a new life like mine through his email CREDITSPYGENIUS@GMAIL.COM.

Thu, 09/05/2019 - 14:43 Permalink
rhett (not verified)

I saw positive posting about a very good fixerer, I can assure you that Hack invade is the best and really good in boosting credit score and increasing credit card limit. He help me increase my credit score to 803. He also helped me erase all negative items on my credit report, He works fast and keeps to his word. Contact him today for a better change Email (hackinvade At Gmail Dot Com or reach is phone 256-294-4701 )

Thu, 09/05/2019 - 14:50 Permalink
Albert (not verified)

Do you really need an effective Hacker to upgrade your Credit score? Or want to apply for a quick Loan ? If YES, then i will gladly introduce you to Albert of PERFECTSMART955 AT GMAIL DOT COM or Text him at (201) 500-5051, he increased my score to 810 Excellent and cleared all my debts, remove all my negative item and then help me applied for a home Equity Loan that got Approved the next day after applying, all thanks to God, I was able to complete the renovation of my new House ,you can as well try his service, he delivers better and according to his promise.

Thu, 09/05/2019 - 15:11 Permalink
Katie Hidgon (not verified)

I am Katie, I lost my husband to the cold hands of death and ever since then things have not been the way it used to be. I had a horrible credit, I had so many collection accounts and would not approve for anything. I had rental debt, charge offs, student loans, medical bills, tax liens etc. from my credit report.
Steph my high school mate told me so much about XAP CREDIT SOLUTION and the miracle they did for her. I didn’t hesitate to write XAPCREDITSOLUTION@GMAIL.COM, we had an understanding on cost and my credit score went from 529 to 800 within few days and I was able to get a home loan and eligible for several credit cards. I can always recommend to anyone who desires to have a better credit life. You can as well call or text XAP on +1 972 597 9704. Cheers!

Thu, 09/05/2019 - 18:38 Permalink
Jessica Grigori (not verified)

My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
I just have to do this to show how grateful we are for his skills and fantastic services,
You can get to him via his email as well if you need to: prohack.net@aol.com
or cell (252) 307-3167

Thu, 09/05/2019 - 18:55 Permalink
Willie Douglas (not verified)

Who else is tired having credit report issues? I had eviction on my credit report and a poor FICO score of 550, I got notification from a Google forum and lot of testimony about Aaron Swartz. A miracle suddenly happened which I never believed was possible until I get in touch with him, He help me raised my FICO score to a 820 golden score and removed the eviction from my credit report. He's affordable and always at your service. Contact AARONSWARTZCYBERSERVICES@GMAIL.COM or Text him (614) 344-8376

Fri, 09/06/2019 - 00:23 Permalink
John Snell (not verified)

I thought my report would never get in good shape. I initially had a low score of 436, with 5 negative items on my report and debt. Over the years i have been through a lot looking for companies and hackers to help me fix my credit score with no result, I couldn't get any loan or mortgage from anywhere to acquire a house for me and my family not until i got into a credit repair site and I read where people were talking about KINGS REPAIR on his good work on credit report and upgrade for people here in the states and other countries, so i decided to give it a try since i was really in need of someone to help me with my report so i contacted them via their email , KINGREPAIR2010@GMAIL.COM ,in just 5 days my report became better in good shape as my score increased to 756 and all my negative items removed and right now I'm actually typing from my dream home. If you've been in similar dilemma with your report, you can contact him through their email, KINGREPAIR2010@GMAIL.COM and his number to text +1 5076971128) to get your problems solved. Just trying to help others who might be in the same issue, they also help with any kind of questions you may want to know.

Fri, 09/06/2019 - 01:12 Permalink
Zimena Jones (not verified)

My name is Zimena single parent of 3. I have always wanted to buy a house and give my family the best. My credit report was totally bad my score was 395 with outstanding bills. I contacted an old friend Cora she used to work for me I made mention of my bad credit report, so she gave me the contact of a Hacker that would get my credit fixed. I contact the hacker based on my credit they asked me a few questions and collected some information from me and told me they would get my credit fixed within {6 working days}. It’s so amazing they delivered my work and raised my score to 799 and deleted the bad items on my report. Here is their contact {R A Y C R E D I T R E B U I L D @ G M A I L . C O M )

Fri, 09/06/2019 - 07:41 Permalink
Terry Trucker (not verified)

One of my small accounts had an INSF payment made and I didn't notice until it was already 30 days due. But already i started my payment, and Just that one account that had a 30 days past due added to my credit report devastated my credit score by 70 points and brought my credit score 500+. then i was back at square one from three years of rebuilding my credit in a matter of 2 months. At my very worries i talked to my co-worker about my credit issues and how i unexpectedly got a late payment red flag. he felt so sorry for me and he as well understand how i have worked so hard to keep this perfect score. He reviled a secret to me and said many Americans today takes this same step to move forward in life. He said he has a hacker that works for him ever since he divorced his first wife, he said so much about him and how honest and intelligent he is. so i believe he can aswell help me too. He linked me up with him and gave me his email, ever since then my whole story changed for better and now i don't have to work so hard anymore, i got easy asses to loan to set up my car dealing business. He deleted the INSF payment and also remove other errors attached to it to keep me on a clean sheet. He was able to monitor my credit well and also reviled an excess payment i had once made with realtor Patrick Paul since 2011 in buying a acra of land at a local area in boardman, he explain vividly how to go about requesting back my money from the realtor then i got my money back in a week. This person i am talking of is indeed a great helper to anyone that gets through him. Hes a professional in his field and easy to work with. Don't take life stressful its way easier elsewhere. Contact his email address correctly NOTABLESPY.ORG@GMAIL.COM. Mailing him is your first step to progress.

Fri, 09/06/2019 - 09:24 Permalink
Lelia Valentina (not verified)

Rich Skrenta Thanks for making my and kids life's meaningful after the death of my husband, i never regret appointing him for the job. You can also appoint him the way i did if you are having problem on your personal credit report on him easy way to communicate: RICHSKRENTACYBERSERVICE at GMAIL dot COM and via +1 (440)459-0850. He pick me out of Home Equity Debt My Husband left me in , He pay it up and increase my crdit score to sweetest point of 805 and also help me Apply for A loan of Twenty Thousand Dollars to start a little business plus i was able to take good care of the kids. Thanks for the motivation you gave to me

Fri, 09/06/2019 - 12:13 Permalink
Margaret Burke (not verified)

On my credit I have the issue of payments irregularities, a credit score as low as 486, background checks, bad credit reports so I can’t condone the hardness of paying up my credit, as a matter of fact I just lost my job recently, to cater for the kids is another burden on me since I’m a single father of 3, so I called on ROD when I saw someone recommend him for credit help on a credit blog, the recommendation I saw are all encouraging, I got in touch with him on CREDITSMARTSPY @ gmail dot com +1(305)-912-6941 and we discussed about the credit fix and the way forward, he promised to help and will be honest with me, I held his words and gave him go ahead, within three days my credit has been perfectly fixed, no more evictions, bad reports, repos, everything was done appropriately without any cause for alarm, my credit score was also boosted to a very much encouraging limit, I can’t express to you guys how much I’m happy now, I’m now the proud owner of a well furnished home in DALLAS. This is a year of wonders and miracle in my life.

Fri, 09/06/2019 - 19:06 Permalink
Bob Clinton (not verified)

This is my life turnaround which I have prayed for years, I wanted an American dream, a house, a car, and start up my own business but as a result of my poor CREDIT SCORE I was unable to get loans and grants until I met CREDITPUNDIT through a colleague. He helped me raise my SCORE from 433 TO 788, cleaned all the negative items on my credit profile replacing them with amazing trade lines within 2 week. Though I doubted him at first because of my previous bad experience with imposters here (online) who ripped me off my money. He eventually got the job done without charging outrageous fees. Now my credit report is up to speed and I remain indebted to Him. He is reliable, discrete and trust worthy Writ him through the email (CREDITPUNDIT@TECHIE.COM) I will recommend ONLY him to anyone in need of such services.

Fri, 09/06/2019 - 21:43 Permalink
Lelia Valentina (not verified)

Rich Skrenta Thanks for making my and kids life's meaningful after the death of my husband, i never regret appointing him for the job. You can also appoint him the way i did if you are having problem on your personal credit report on him easy way to communicate: RICHSKRENTACYBERSERVICE at GMAIL dot COM and via +1 (440)459-0850. He pick me out of Home Equity Debt My Husband left me in , He pay it up and increase my crdit score to sweetest point of 805 and also help me Apply for A loan of Twenty Thousand Dollars to start a little business plus i was able to take good care of the kids. Thanks for the motivation you gave to me

Sat, 09/07/2019 - 02:13 Permalink
Giphy olivia (not verified)

Get a blank ATM CARD and cash good money/funds directly today in any ATM machine around you anywhere in the world. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, so get the blank ATM CARD today at our email address: unitedblankatmhackcard@gmail.com and change your story for good

Sat, 09/07/2019 - 03:53 Permalink
clinton william (not verified)

I have had a lot of bad experiences with credit repair companies and fake hackers, all the credit score they told me they boosted was actually false and all negatives on my report wasn’t cleaned. i was so disappointed and try Richard ..I have read a lot of recommendations about him which at first made me doubt his legitimacy but when I contacted him and told him exactly what I want him to do he got it done amazingly and showed me proof before I made the balance payment..I wish to recommend him to you all ..RICHARDSTALLMANCREDITREPAIR@GMAIL.COM or text him on (908) 845-5786. You won't regret he work for you.

Sat, 09/07/2019 - 17:50 Permalink
Mrosenberg (not verified)

The last two of my derogatory accounts have been removed from all 3 credit reports, loans and maxed out credit cards paid off thanks to CREDITSMARTSPY @ GMAIL DOT COM. The methods and almost daily coaching work! Now I will be moving forward with obtaining business credit to get started with real estate investing. Thanks again for your help CREDITSMARTSPY +1(305)-912-6941

Sat, 09/07/2019 - 19:20 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 impostors 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

Sat, 09/07/2019 - 20:47 Permalink
Rod Harris (not verified)

Do you need an expert in credit score upgrade?? You don't need to worry again because the God's eye is our savior on creditspyexpert@hotmail.com Or Text (+1{985} 441-1527. I was wondering when i see everybody recommending him when burst into google looking for help in upgrading my credit score from 560 to 760 which is a golden score. I decided to go on faith and make a try by contacting him....He help me increase my credit score to 760 within 48 hours. His service is fast and affordable. He also help me delete all the negative collections on my report and i'm able to get car loans, surgery loans and all. I will advise you all to contact him to have your problems solved. creditspyexpert@hotmail.com Or Text (+1{985} 441-1527

Sun, 09/08/2019 - 01:14 Permalink
dave (not verified)

Get your credit cleaned with the help of a reliable hacker. He's tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real hacker because I kept meeting fake hackers who are always after the money, I've been conned by them. Hackinvade  is not about the money but about attaining a good reputation at always satisfying his customers. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at hackinvade |AT| gmail |DOT| com or his phone # 256-294-4701.  

Sun, 09/08/2019 - 07:54 Permalink