If you have items that are showing up on your credit report that you know you have already paid, request that these items be removed by the credit bureau. They are obligated to rectify this within 30 days
If there are items on your credit report less than two years old, if possible, send in your payment and mark the back of the check with the following notation: "Accepting this check is evidence that the transaction is complete and this charge will be deleted from my credit record." If necessary, the cancelled check will be proof that the item should be promptly removed from your credit report if it interferes with the closing of your loan.
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