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or foreclosures or even repossessions things that are really really difficult student loans as well youre going to most definitely use this method were talking about factual all right so were going to start with date last active all right date last paid and this is outside blatant inaccuracies you have three different balances you have three different past dues you have a monthly payment on a closed account those are blatant inaccuracies all right so why are we starting with date less active well I have a video that breaks us down and explains what all of these elements mean and how they affect each other but your date last paid influences your date last active because it starts that timing of when the seven year time frame happens right so if this is not correct then guess what that seven year time doesnt really matter because your account is going to come off of each Bureau at totally different times and you dont want that to happen okay so then we have notice of dispute what th