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Eramos33

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can my debt be wiped out after i pay?
So I basically payed my debt off, and i know that it will now show up as a closed account, but now im wondering if the closed debt account can be permanently be wiped out for good?

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If it's late payment(s)? the bad mark(s) would be removed 7 years from when it happened, makes no difference if account is open or closed.

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If it's in collection? The account would be removed 7 1/2 years from the Date Of First Delinquency, paid or not.

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