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Originally Posted by Tuxguy
Did the free credit report dot com thing and now feel overwhelmed.
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First thing first, copy letters from that site to each of the creditors that show negatives on your report for validation. Otherwise, they have to remove them from your report. It'll probably take 60-90 days at least from the date letters go out to seeing some real progress in getting lines deleted.
In addition, keep good records of what you're doing as you can sue them for failing to perform as required under the fair credit reporting act I believe it is ($1k for each violation I believe).