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CR says "in dispute"


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When I last tried to refinance I had a judgment, I have since paid off.  The other issue the bank commented on was that I had an item on report that was "in dispute".  This was from an account I disputed a few years ago, but did not follow up on..   The bank says the dispute on my account freezes my score.  Is this true?  Is there a way to remove this?   I'm so close to refinancing..  I would like to get things started asap!!  need to get out of high interest mortgage..  thanks

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