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2.  Make sure that each of your creditors has reported
your information accurately. Drafted a letter if you
find, along with any evidence to back up your
dispute, and mailed to the credit report agency,
there is a mistake. You want to get as soon as
possible your credit report off this inaccurate
information.
 Integrated credit card
 To those that have a lower interest rate, and then
transfer the balance of the higher interest rates of
the card. This will decrease your credit score by
removing too much of the debt.