Obtain a free credit report.. Check if any accounts are not yours.. Identify the age of a closed account.
Obtain a free credit report.
Check if any accounts are not yours.
Identify the age of a closed account.
Contact Equifax online.
Write a letter.
Mail the letter.
Receive the results of the investigation.
Write a statement of dispute, if necessary.
Send a letter to the creditor.
Be careful about negotiating.
Meet with a lawyer if you want to negotiate.
Continue to monitor your credit report.
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