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Credit-Rating
Level 1: Joiner
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i have returned my watch but it still comes up on my credit rating

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KingAmo
Level 15: Gaining a Reputation
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@Credit-Rating

I believe it will take time before the system update things.
It should appear as a closed account under your utilities or an open account. But that won't affect you credit score in anyway as far as your return has been processed

I will recommend you exercise some patience here
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