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stvmartin

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how to remove closed or paid items

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NEVER try to remove any accounts that were closed in good standing. For unpaid negative accounts you try to get a "pay for delete agreement" and for paid negative accounts you can try "Goodwill Letters". Another trick that sometimes works is if you can find incorrect information on a negative account, you dispute it with the credit bureaus and hope for a deletion of the account rather than a correction.

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