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True Credit No 1st delinguent listed

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Yep, that's one of the problems with the 3-in-1 reports. They're not complete. Furthermore, they're not up to date...sometimes they're 3 months behind.

IMHO, you use the 3-in-1 stuff to just keep a general eye on your credit. If you're trying to do credit repair, you need to get right to the individual CRAs...

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