Eric is right,, if you wanna do it yourself it is really that simple
ask for your credit report from the big three,, most of the times it is easier when you get the declined credit letter where it says you can view your report..
write to each company from the negative complaint that you want more info on the debt,, if there is no response in 30 days then they have to remove it..
Any credit that you have paid off needs to be closed. Found tons of old accounts i stopped using but never closed
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