Incorrect History
Are addresses wrong? Open credit cards showing as closed? Or, did you pay a balance off in full, which is showing as a positive balance still owing? If you have records of payments and closed accounts, this will come in handy to resolve these errors.
An error of unpaid balance or open account which was closed, will greatly affect your score as well. Make sure everything is accurate, and paid accounts are showing the account with a zero balance.
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