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ajt1101

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if I have a derrogatory mark that has been paid how does that affect my score

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Not much unfortunately.  You should always attempt to negotiate a pay-for-delete first.  You don't have as much leverage after you've paid.  All you can do now is attempt a goodwill request for removal from the creditor.  As  long as the derog is reporting it will have some impact.  The impact will reduce over time.

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