hello, I am a total newb to credit repair and to this forum so please bear with me, I just have a couple questions. I just pulled my 3 in 1 report and I was just wondering what marks exactly on my report cause my credit to be bad?what do credit grantors look for? Also all of my accounts have been paid, would it be wise to just call the collecion agencies and ask them to remove it from my credit report?I would very much appreciate any advice or help! Thank You! My scores are equ. 517 exp.479 and trans.707
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