Mistakes and other inaccurate information on your credit report aren't your fault and in a perfect world, wouldn't affect you. Our world is not perfect, however, and while you may not be responsible for some or all of the questionable items on your credit report, you are probably being held accountable for them.
Stop being blamed for things that aren't your fault. Check your credit report, and make note of any misleading, inaccurate or outdated information. We and our sponsors can help you dispute these items and ultimately get them removed from your report.
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from a Credit Expert