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Just in case you are starting to wonder if this process works let me assure you it does. Since joing myFICO I have read post after post about PFD's when i started this journey i had seven of them today I just resloved one with Merchants and Professionals Credit Burea. It should drop off this cycle, and if not I have the paperwork to dispute it.
Stay focuse on your journey if you have planted the seed of good credit this the cultivation stage, just know that you will have a harvest.
Grats on your successful PFD
Awesome Job, keep up the great work!