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Daily Archives: March 19, 2025

Understanding Bad Debt Removal: How to Dispute Outdated Debt on Your Credit Report

A negative mark on your credit report can significantly impact your financial well-being, but under the Fair Credit Reporting Act (FCRA), most delinquent debts must be removed from your credit report after seven years from the date of the first missed payment. However, errors and outdated debts can linger beyond this timeframe, damaging your credit score

Did Your Twin’s Information Show Up on Your Credit Report?

One of the most common causes of inaccurate information on credit reports and background checks is the mixing of information belonging to two different people, often because of similar names and addresses.  This is a particularly common problem with twins, who share a date of birth as well as last name and usually address history. 

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