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If the debt appears on your credit report and you have evidence that you have paid it OR if its not yours at all, go to the website of whichever bureau is reporting it and order an online credit report. Once you receive it, go into their site and instigate an on-line credit dispute. Explain in the dispute that's its not yours, or its paid, etc. and they will investigate. This usually takes 30 - 45 days to complete. If it is found not to be yours, it will be removed.

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19y ago

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