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EggactlyRight!

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  1. It never is a waste of time. The agencies have an legal obligation to investigate every dispute. They go and tell them you have a query and that they should correct it before reporting it. They have 30 days to get back to you with a response. I have had a CCJ completely deleted from my credit report before so I know it is possible.
  2. You should contact the credit agencies and dispute through them that you wasnt given the right time to address the loan. That they also didnt provide you with the 30 days before putting it on your file
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