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Post by decadealj on Sept 2, 2009 13:24:30 GMT -5
There was alot of discussion on this last year. Just use the search funtion (up top) and serach credit history.
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Post by traceb on Sept 2, 2009 13:28:36 GMT -5
I tried that and didn't pull anything up except this post. Now I see what I did, I forgot to specify the number of days. Sorry for a redundant post.
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Post by traceb on Sept 2, 2009 13:31:08 GMT -5
So now I understand the reason but, what if you had a very good credit history up to a certain point and then because of some personal problem, divorce or illness for example; it doesn't look so good. Do they take that into consideration or allow a chance for explanation or simply say thanx but no thanx? The threads I have read do not answer that question as far as I can tell.
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Post by decadealj on Sept 3, 2009 7:18:46 GMT -5
I have no idea who looks at the report. But I do know, from other life experience, that you can get a copy of your credit report and submit a statement that should be included with the report explaining error, extenuation or mitigation. I can also tell you that it takes alot of effort and forever to correct errors in a report. Because of my outstanding credit history, evreyone who reviewed mine, for whatever reason, ignored an unpaid hospital bill on mine for years. It had been reported under my wife's name without either of us knowing about it until we rented a house in Hawaii and the realtor told us about it. Were we surprised. My wife had never been within 500 miles of the reporting hospital but it took three years to go to all the credit agencies and I think the only reason one of them finally dropped it was because it timed out at 7 years or something. For those of you who haven't ever thought about it, it might be a good time to check it out. You might be surprised as to what is on it.
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