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Defendants can hold reverse auctions and any of several parties can engage in collusive settlement discussions. Check your credit score online instantly with a free credit score trial product. I was amazed but there is no Bank that will do it and it's a real bummer because that is one of the best way's to re-establich credit with no risk since the card is backed by your own money - and your limit is whatever you deposit.

When you enroll in the Automatic Fraud Alerts 2 feature, well place your free initial 90 day fraud alert on your Equifax credit file and, once successfully placed, well refer your fraud alert request to Experian and TransUnion. Thats the way I use to think but thats a bad attitude to take.

Make sure you have all your facts in order, and then call the particular credit company and tell them you need to dispute something on your credit report. ALSO, you can get a copy free, but without the score on it.

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