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They reduce everything to a two digit code and convey it to the furnisher via EOscar. You can write a manifesto and it is still digested and put forth as not mine, balance wrong, fraud, etc. Although, Johnson v. MBNA stated that inaccuracies must be pinpointed, it doesn't work that way with respect to the cra's for the most part.
This is why it's advantageous to alert the furnisher as well.
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