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How to dispute inaccurate credit data and fix your credit report

Finding an error on your credit report can be unsettling. You open a statement or check your score online and see something that does not belong to you. Maybe a late payment you never made, an account you never opened, or a debt that was supposed to fall off years ago. These mistakes happen more often than most people realize. According to a 2012 Federal Trade Commission study, one in five consumers had an error on at least one of their three credit reports. That number has

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