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  1. OK Ive been looking and trolling for years and i think I'm ready to begin. I'm going to provide a pretty detailed step by step log so folks can see this in real time. I would greatly appreciate any comments. Im thick skinned so, lay it on me. If you find this helpful give us a BUMP. Pulled credit reports and I have 9 trade lines that are reporting negatively. Some to all 3 some to only 2. So, 22 total entries. Ive been looking around and the 623 letter method seems to be the way to go. Ive used DV with some success several years ago and I got 5 neg TLs off. I didnt really stick with it a