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how much will my credit boost up and how to dispute a collection agency?
My Husband and i are trying to buy a house come march, he has a few things on his credit report and is 20 points shy of the first home owners loan that we can get. how far will the credit boost. also there are three things on the credit report that we had paid back in 2012 that has not been removed how do i dispute an agency on here.

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