remove debt from credit report 8
https://theficovsvantagescorecentral.meridiannest.com/posts/fico-vs-vantagescore-what-you-need-to-know-for-credit-repair
After I finally got my credit report, I saw an old collection that didn't belong. I disputed it directly with the credit bureau, providing proof it was paid years ago. The process took about six weeks, but they removed it, and my score jumped almost 30 points. It's not instant, but it's worth fighting for the accuracy of your report.