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I would sign up with a legal shield program that is about 30.00 a month and u get a free benefit of 25 page contract review and they have ability to review all states. I would have them look over the agreement and you can determine if u can add no negative reporting. Then determine if I u want to pay the processing fee. You can also link up with lexington law which provides reasonable assistance and help with credit report. They give a free look at ur report and consultation Or call 888-226-5977 »