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CreditKarma's bogus advice.
CreditKarma's "recommendations" are questionable in my situation. They recommend I hire Lexington Law to remove just one collection account in amount of $199 that is about to roll off my reports. Seriously? Why hire attorney to remove a score that will go away on its own soon? It is the only one and very small amount. I suspect removing it would not move my score even one point given its age. Just shows how really generic CreditKarma's recommendations really are and how in many cases, it is BAD advice.

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