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I was unemployed for a while years back and became delinquent on 2 credit cards. Since then I have become financially stable and have paid the balances in full. The problem I am encountering is that the bad marks on my credit are now with me for 7 years as of the last account activity(when I paid both in full), so in essence I am being punished for paying a debt that the credit card companies had written off anyway. Any ideas on how to get these banks to remove the negative marks? I guess I should have negotiated that first.
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