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This video tutorial addresses individuals who have broken lease agreements and ended up with collections on their credit reports. It outlines the steps to identify who reported the debt and how to dispute it for removal from credit reports. The video emphasizes the financial impact of having collections listed, which can lead to higher rental application fees. It explains the role of consumer reporting agencies, which gather and maintain public records about individuals, and sell this information to major credit bureaus like TransUnion, Equifax, and Experian. The tutorial aims to help viewers understand their rights and the best approach to managing their credit after a lease termination.