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Just in case you missed it!
Referenced Links
How to dispute incorrect information on Credit Report: https://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-your-credit-report
Qualifying for a Mortgage: http://advice.bancorpsouth.com/home-ownership/mortgage/article/qualifying-mortgage
Official free annual credit report: https://www.annualcreditreport.com/index.action