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rjj54

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How do u get derogatory accounts off report
This mark has been on credit report since 2008

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Write a letter to the credit bureaus reporting the items. Explain that they are old items. You can also file an online dispute as well.

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Most negative accounts will remain on your reports for 7 years from the date of the delinquency. If you are close to 7 years, you can ask the credit bureaus for an early exclusion on the negative account. If the account is at 7 years or more, then dispute the account as too old to report.

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