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i free credit score report South Dakota use credit report.com and if you cancel within 30 days your not charge.. ok here is the down fall of consilidating free credit score report South Dakota or debt programs,, one they show on your credit report that you owe one fat bill with no available credit this is bad bad bad,, cause it shows you pay one fat payment for a debt that is one large amount and you are using all the available credit from that company, see when you buy a house and they check free credit score report South Dakota your credit you can make 1000 a month but buy a 60000 lexus as long as the payment is cheap,, not the amount you owe but the amount you pay out,, it is free credit score report South Dakota really tricky,, make sure you keep all your new credit on time pay over the minm payment and try to pay a week ahead of the due date,, but what really makes your score go up,,is the debt to balance ratio! i promise i became a member to buy a home,, i went from a 504 to a 630 in 6 months! also the website will explain alot of credit info to you Ok, I just answered another one of your questions so I see you are saying here the debt is 10 yrs without any payments made very simple.. send a very brief letter to each credit reporting agency and say please remove this item from my credit report, it is older than 7 yrs from last activity. usually they come off on their own but sometimes they do free credit score report South Dakota not. In those cases you just need to free credit score report South Dakota dispute it as it has slipped through the system.