My friend was an authorized user (not joint) on his brothers credit card account. His brother ended up making late payments and then doing a settlement on this account. Unfortunately, the credit for my friend, the authorized user, was also affected. The settlement appears on 1 out of the 3 agencies…therefore, I wanted to know what is the best advice, or best letter to send to a credit reporting agency to get this issue resolved…..
I am not looking to give the issue to any CREDIT REPAIR company or any other services. I am looking for a Do-It Yourself approach. Thanks.

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