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Ok, so I had an item in collections that I paid off before educating myself on "pay to deletes"... So I called CA twice, first guy laughed at me, second guy I talked to was GREAT!!! He gave me a fax number to send letter to and they would gladly remove item from my reports... I checked my reports and sure enough it came off of 2 but its still on transunion... Do I want to send another fax to CA or wait it out longer..(its been off other reports for about 3 wks)..
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