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Go to experian, trans union and equifax websites and file your online disputes. They must reply to you within 30 days (which they will) and if they dont, they must by law remove the negative item. However, dont rely on that happening. Be as specific as you can on the form(s) and be thankful that it's not listed as having gone to collections.
Whats your FICO score? Get a secured credit card and make a purchase on it now and then, paying it off promptly. Theres not going to be a quick fix, even if they remove the negative report I hate to say.
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