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For a healthy credit score, you should not carry derogatory items on your credit report. Charged off accounts, collections, late payments, and inquiries can dramatically lower your score.
The difference in a high score can mean THOUSANDS of money lost. Lenders for home loans, credit card companies, and auto dealerships look at your credit report before making decisions.
Use the credit bureau codes to properly dispute negative accounts to be deleted from your credit report for good!
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