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you can do disputes online with the 3 bureaus. you can get one of those free things to check it, and cancel within a week or whatever the trial period is. or you can deal directly with them to get 1 report.
check with the bank to be sure that if the disputes come back in her favor that she won't get dinged. it seems that every time someone looks at your report, it counts as an inquiry. then every time you apply and don't get what you apply for it counts, too.
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say "hi" to lumbergh for me
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