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kaztrin08

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who do i call if it says i have a student loan and some car payment but not on report?

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You don't call.

What you do is go to the site of the credit bureau reporting these accounts and, if they are not yours, file a dispute with each credit bureau that shows this.  The people who answer the phones at the credit bureaus are noit authorized to make these changes but you can make them via letter or online, your choice.

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