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Here’s how to actually remove it in 45–90 days ⬇️ When a debt gets sold to a collection agency, the original contract between YOU and the original creditor is gone. The new company reporting it? They must prove: • Assignment • Ownership • Account-level documentation • Exact balance calculation • Date of first delinquency If they can’t validate it properly under the FCRA, it must be deleted. This is why paying collections out of fear is one of the biggest mistakes people make. You don’t start by
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