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According to the FCRA, it is possible to dispute any unwanted element in your credit report. Basically, if the reporting agency can not verify the product, it surely has to be removed.

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Bankruptcies were designed by Federal Bankruptcy courts to offset enormous debts from consumers. Filing bankruptcy may offset some debt from you, but you should know several implications.

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Federal bankruptcy courts made this provision to cancel debts from individuals and businesses. Declaring bankruptcy could cancel some debt, but you'll undoubtedly suffer its long-term implications.

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Making late payments may tank your credit rating by roughly 100 points. Timely payments account for a huge portion of your report, which makes defaulting a negative element.

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