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I would dispute EVERYTHING that is a negative on your credit report, whether it is true or not. The reason is this: The credit reporting agency (Experian, etc.) will request verification from the creditor (Visa, etc.) and they have a set time frame to either acknowledge the discrepancy or verify that the credit report is true. I beilieve this to be somewhere between 30 and 60 days, and it may vary depending on your state. If the creditor does not respond within the time frame, the "ding" is automatically removed from your credit report.

You will need to do this for each credit reporting agency. The worst case scenario is that nothing changes on your credit report. The best case is that some of those "dings" could be erased.

Good luck!

David (But I'm not) Boring
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