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Erase Bad Credit
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You do not have to just wait for negative marks on your credit report to fall off. You can remove them and improve your credit score.
Congress passed the Fair Credit Reporting Act which gives you the right to dispute any item on your credit report. This act also says that if the item is not verified by the lender then the credit bureau must remove it from your report.
You can dispute an item through the dispute process. This is done yourself by...
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