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They are all scams.
The best way to rebuild your credit is to contact the companies that have put negative information and issue them a letter saying that if it is not altered within 2 weeks you will isue a court judgement. Most companies actually shit themselves, regardless of size, as a court case costs thousands where as just wiping you from their data base does not.
If you want an even better way to get rid of the information, and I mean a fool proof way then pay pal me enough for a toothless herpes ridden hooker and the info is yours..hehehe
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