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OK I have 4 charge off they are paid for i have letters from 2 of the comapny washington/providian and dell saying the accounts are settled in full and the other 2 companies are houshold and 1st preimier i paid them off as well but with no letters What do i need to do to get them all removed or changed from charge off to paid status

The next thing is i had 2 car loans one with americredit adn the other citifinical both are paid for but show my late payments what is the best way to get them late payment removed

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