re: Credit Help+Sites like Lexington Law Question legit?

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You will learn about "goodwill letters" and "pay for deletes" which can help your credit greatly.

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I'd be curious to hear those helped you. I've heard a lot of people say goodwill letters work for the OCCASIONAL 30 day late (like 1 in 5 years) and I've heard that a lot of banks/credit card companies will no longer do pay for deletes.