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Before you continue, please understand:
  • These are free educational self-help tools. You prepare, sign and mail your own letters.
  • We are not a law firm and do not provide legal advice.
  • We are not a nonprofit credit counseling agency.
  • No one can legally remove accurate, timely information from your credit report, and we make no guarantees about results.
  • You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus.

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