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Just dispute everything negative. You can say you were not late on each reported late payment or that you paid each account. The creditor has to be able to provide the credit report agency with the information that says you didn't pay. Sometimes the card companies won't even have all that info anymore (especially if your account is closed). Some stuff is bound to come off. If you still owe on some accounts then offer to pay them in full if they will remove the negative info from your report.

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16y ago

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