 Credit file and credit score repair?
I have recently checked my credit file with all three agencies.There are two negative records on it from couple years ago. Two files were turned to different collection agencies ($600.00 and $300.00). Both files are legitimate and I am not in position to dispute those. None of collection agencies contacted me yet. However my credit score is obviously affected by negative records and I am thinking about settling those. What is the right way to do that?
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