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napap

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I want to dispute these charges, I don't owe anyone money
What should I do?

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Top Contributor
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Since that information is visible only by you, it's not easy to make recommendations other than to review the articles here to see how credit works.  It takes time for pay-offs to be recorded and that information to get to the credit bureaus, who update their reports monthly.  You might want to wait this out for a month or two to give the information time to catch up.  Disputing just isn't justified in this case, but patience is.

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