There are a few things that you MUST do prior to disputing your credit report. If you try to download a template dispute letter and just blast it out to the three credit bureaus you WILL fail 99% of the time.

Accounts to freeze:
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Innovis: https://www.innovis.com/securityFreez...
SageStream: https://www.sagestreamllc.com/securit...
ARS: https://www.arsconsumeroffice.com/se...

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