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  1. I am about to start the HIPAA process and have a couple questions. So far I have only opted out. Can I use reports from MyFico? I've already requested reports from annualcreditreport.com in the last 12 months and I don't have them anymore, but I do have reports from MyFico. Also, I disputed these collections about 2 years ago before I knew about this process and the dispute comments are still showing, do I need to have those comments deleted first? Thanks for any help

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