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If you bring the account current, the series of missed payments will be deleted seven years from the date of the first missed payment.
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The purposes of Title X are set forth in Dodd-Frank Act section 1021(a), which provides that the Bureau shall implement and, where applicable, enforce Federal consumer financial law consistently “for the purpose of ensuring that all consumers have access to markets for consumer financial products and services and that [such markets] are fair, transparent and competitive.