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Quick Answers please!!!


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I have several credit card collection accounts. I settled for less then the full balance on all of them off before ever knowing about this site. After reading the book, I discovered that I should have negoitated for a deletion then. I tried calling them back but they all said that it would state settled for less then full balance on my credit report, which as a negative effect on my score. What's the first step I should take for repairing my credit???

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