The lender will report this account if you have not paid the account for 3 months or more.
This account has a serious impact to your score and one of the hardest accounts to dispute if we don’t have proof to support your claims.
One way we can tackle is just like the other negative items, we look for any inaccuracies and dispute them. On your end, what you can do is negotiate with your lender. You can settle your debt and have an agreement with the lender that the account be removed after.
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