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Hey everyone, haven't been here in a while. I am helping a friend with repairing her credit. One of her problems is she has three collections on her report American Collections Ent, Amsher Collections Services, and Southwest Credit Systems are the agencies involved, with the original creditor being T-mobile. What is our first move?  I am thinking DV each collection agency. Then either wait for a response or dispute with the CRA. Also, file a complaint with the CFPB and send a goodwill letter to a big wig at T-Mobile. Thanks in advance for any advice.

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