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interpreting credit report


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Posted by mike on February 07, 2002 at 20:00:59:

I just got declined for a MBNA cc, and the primary reason looks like "recent derogs on payment history"- I got all 3 credit reports and admittedly I have derog marks but it seems to that previous status is 12/99. Is that what they're basing it on? I thought credit looked improved after 24 months- is there anything else I should look for?


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