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Editorial Note: These blog posts represent the opinion of DoNotPay’s Writers, but each person’s situation and circumstances vary greatly. As a result, you should make sure to do your own independent research. Because everyone is unique, our self-help tools are never guaranteed to help with any specific situation. DoNotPay is not a law firm and is not licensed to practice law. DoNotPay provides a platform for legal information and self-help.
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Clean Credit Report

How to Remove Negative Items from Credit Report Yourself

There are many reasons people get negative items listed on their credit reports. These negative marks can really be a problem if you want to get a loan or make a large purchase. Depending on what the negative items are, they can affect your credit report for seven to ten years. This article takes a look . . .
Clean Credit Report

Process of How to Delete Medical Collections from Credit Report

Negative accounts, like medical collection accounts, can drop your credit score by 50 to 100 points. They also remain on your credit report for seven years. If you want to know how to remove medical collection accounts negatively impacting your credit, keep reading to find out what steps you can take . . .
Clean Credit Report

Learn How to Remove Collections From Credit Report Easily

It is not easy to remove collections from your credit report. DoNotPay can help. Sometimes things happen in life that prevent us from paying our bills. Once the bill has been unpaid for 120 days, it is usually referred to a collections agency, which immediately reports to the three credit agencies: . . .
Clean Credit Report

How to Remove Inquiries You Did Not Make from Your Credit Report

Any credit inquiries from the past two years will typically show up on your credit report, and periodically checking your report for errors or signs of possible identity theft is a must to make sure you are not losing points for inquiries you are not responsible for. Although you generally cannot remove . . .
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⭐ Build and Improve Your Credit Score in 3 Easy Steps

A bad credit score can be devastating in the long term. It could mean that you are denied loans or will have to pay higher interest rates for your existing ones. It could also affe . . .
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Easily Remove Credit Systems On Your Credit Report

It might sound like a conspiracy to you when you first hear about it, but it is not. There are collection agencies that report faulty information on people's credit reports every day. A company like Credit Systems , which is a collections agent, could post information to your credit report that is both . . .

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How to Do a Credit Sweep Yourself

If you have a short-term debt under a line of credit, you can minimize these costs through a credit sweep. You can approach a financial institution to change the contract terms to suit your situation. However, doing a credit sweep by yourself isn't a straightforward procedure. You may have seen several . . .

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Best Way to Repair Credit Online

Credit scores range between 300 and 850, with 711 being the average score in the United States. With a high credit score, you will be able to take advantage of cost-saving financial opportunities. Someone with a low credit score will be forced to pay higher interest rates on auto loans, mortgages, and . . .

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How to Get a Proof Paid in Full Letter

If you have a debt that's gone to collections, you might be concerned that your creditor will continue coming after you even after you've finished paying your debt. A proof paid in full letter can help avoid this. Getting proof in writing that you've finished paying your debt can be a good idea. This . . .

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How to Do a Credit Repair in 3 Easy Steps

Your credit report is one of the most important documents when it comes to your finances. It contains information on all of your credit accounts and loans, as well as your payment history. A poor credit score can make it difficult for you to get approved for a loan or a credit card, or even rent an apartment. . . .

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What Does Charged Off as Bad Debt Mean?

Keeping a good credit score is important to getting the best loan rates and cheaper insurance costs. If you are new to managing your credit score, understanding technical terms is crucial. Many who are new to understanding credit reports often wonder, " what does charged off as bad debt mean ?" In short, . . .

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How to Check Your DLA on Credit Report

Credit reports come with what usually feels like many codes that one has to memorize at once. Some of these codes can be too hard to grasp and confusing but are very important. Checking your credit report frequently is crucial as it keeps you in the loop regarding the right information. The codes and . . .

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All About 604 Inquiry Removal Letters

The inquiry section in your credit report shows the inquiries made on your credit report by different people or institutions. While this part doesn't significantly impact your credit score, you may need to verify the inquiries and have them removed, especially if the inquiries are unauthorized or appear . . .

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Top 5 Apps to Help Repair My Credit

If your credit report isn't looking as clean as you wish it did, whether due to late payments, inquiries, short credit history, or any of the other numerous factors that go into your credit score, you might be looking for an app to help you repair your credit. There are several apps to help repair credit . . .

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How to Remove Key2 Recovery From Your Credit Report

Your credit report and its contents, if they are negative, can cost you thousands in interest charges over the life of a loan. Having a good credit report can qualify you for cheaper rates when purchasing a home, or buying a car, and can save you money on your insurance rates.  Therefore, it pays to . . .

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Sample 623 Dispute Letter

An incorrect entry on your credit report can adversely affect your credit score and history. If you filed a dispute for an incorrect entry on your credit report and the bureau rejected it, the 623 dispute method is a viable alternative. This method allows you to file a dispute directly with the original . . .

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How to Get LVNV Funding LLC Off Your Credit Report

LVNV Funding LL is a debt collection agency based in California. The agency mainly purchases charge-off accounts — debt from loan lenders who have given up trying to collect them. Therefore, LVNV Funding LLC may appear on your credit card report if you have any unpaid debts from loan creditors. Fortunately, . . .

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How to Remove Natlcrsys From Your Credit Report in 3 Steps

You should review your credit reports every year and clean them up by getting rid of old and inaccurate information. To clean the reports, you have to get copies of the reports from the three major CRAs (credit reporting agencies). Check for inaccuracies or outdated information and ask the credit bureaus . . .

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Remove Aargon Agency from Your Credit Report

Are you looking to make a major purchase? Maybe you have your eye on a new SUV, EV, or truck. Or you're looking to finance or refinance a home. Perhaps you're hoping to finance your child's rather hefty tuition at a prestigious institution. To do so, you need excellent credit scores. But when you last . . .

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Best Strategies To Remove FCO From Your Credit Report

How to Remove FCO From Your Credit Report FCO is a collections agency based in Beltsville, Maryland, but they also have call centers in the Philippines. FCO has been in business for over 35 years, and has managed to get the worst possible rating from the Better Business Bureau—an F on a scale from . . .

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