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  1. My daughter asked for some advice about credit, she had a big bill from a bank over 10k they offered a really good settlement, less then a third of the amount but they ignored it. She got another nasty letter again but this time she contacted me and replied to them in a letter offering to settle with them (they are trying to buy a house) for the amount that they offered her originally and they accepted it. So today she calls me and tells me a CA put a great big ding on her husbands report that was not there before the offer, I thought she was dealing with the bank or within the bank not a c
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