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EricGrant043

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  1. In my experience, Chase has always pulled Experian, although, they may pull Equifax as well.
  2. Called creditor directly. T-Mobile is not going to help you in that area because they already sold your account to collections. The debt T-Mobile required of you has been paid by the agency. That payment allowed your debt to transfer over to IC. Give them a call and find out what your actual balance is and take steps to pay the whole balance. Do not settle. Settling is a trap because although they lower debt to a teasing feasible amount you can pay, the remaining balance will still sit on your report for another 7 years even though the matter has been resolved.

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