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I’m David Schram, author of the first book ever on how credit scores really work.
I’ve done radio shows across the nation and my printed newspaper and magazine articles have been published world wide under my pen name Dave Peters by Gannett Publishing, the owners of USA Today .
I strongly advise against trying to dispute any credit information…
Watch this informative video and find out why over 90% of so-called “credit repair” is a waste of time and money and will often make your credit scores worse.