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I'd suggest reading the following:
Common Abbreviations
What Steps do I take, DV, PFD or GW
Credit Scoring 101
This will give you an idea of where to start. Good Luck!
If funds were available, I would offer a PFD for those accounts. Medical, as a general rule, are easier to deal with.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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