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deletion procedure


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I have 2 credit cards that went into charg-off(citicorp) about a 1 year and a half ago. Recently NCO has been calling for payment and promises to update my credit report. BIG DEAL, right?! They are only going to say, PAID CHARGE OFF.

I want to dispute, but I think I need to dispute with the Credit Agencies and not NCO. What is the best procedure for getting them removed.

Thank you in advance :confused:

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