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This video tutorial is aimed at individuals who have broken lease agreements and are facing collection issues that affect their credit reports. It provides guidance on how to identify the source of the collection and dispute it effectively to remove it from credit reports, emphasizing the potential costs of rental applications if the issue remains unresolved. The video explains that consumer reporting agencies, which are smaller companies that access public records, maintain information on individuals and sell this data to major credit bureaus like TransUnion, Equifax, and Experian. This tutorial intends to help viewers manage their credit situation properly.