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  1. I request advice with the following situation (reported in order of facts): The wife's credit report showed a 120+ day delinquent payment. She called credit bureau and was told it was probably information mix-up She called creBank of America that reported late payment, and was told her balances were all $0 and all her accounts closed. She called again and was told the same She requested a letter showing this She received a letter regarding 8/5, stating one of her accounts was closed She received another letter 8/9 saying investigation showed her accounts were overdue She called 8/12
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