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Warning: You are editing an old version: By Anonymous at 2015-02-20 03:03:32

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Body:	As time goes on, negative <a href="http://oarcou.com">acoutncs</a> have less and less effect on your score. From 1-2 years they have a big effect, but after 5 years they are having very little effect. You can try sending a goodwill letter to the credit card companies asking them to remove old late pays, some of them will do that.
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